I am currently enraged due to the fact that I am trying to set up home insurance for my new house and due to the fact that I have dobermans my quote doubled!!!! Has anyone else had this issue?!? (on another note - have these people ever actually met a doberman?)
It's definitely not fair... But I guess someone has to pay for all of the irresponsible owners out there. It's too bad that they don't have some sort of test that they can give the dogs, regardless of breed.
I've heard of that happening and am a little worried about what will happen when I add my Dobe to my insurance policy. I'll probably be in the same situatioin as you are. Sad, but ignorance has many consequences and this is an example of one.
I'm not sure about other states (I'm in Florida), there is a "List of Breeds" that can cause an increase in Rates, I remember German Shepherds, Dobermans, Rottweilers, Pit Bulls, there are more, I only remember those I listed.
got this off "info.insure.com"............Some insurers have lists of breeds and crossbreeds they will not insure. The usual suspects are: pit bulls, rottweilers, wolf hybrids, huskies, Dalmatians, Airedales, and Great Danes. Other insurers consider such breeds on a case-by-case basis.
If your dog bites someone the people would sue your homeowners ins. Dog bites can be very expensive and the victim from what I have seen, always wins the case. With that being said, it's really not fair but I bet we will see that happeneing more and more with Ins.
HOme owners insurance can vary wildly in price, and some insurers specifically target certain breeds.
If you live in Pennsylvania or Michigan specific state laws make this kind of thing illegal. In otherstates, you may have to shop around for insurance. State farm is one of the good ones. As I recall, Nationwide and Farmers are two bad ones :P I guess nationwide isn't so on your side..
Our old insurer was my moms frined so we got aorund the dobe issue anyway:) thats another way to work with it,network a little and find someone you know or go to other people you know with the breed and ask.
If you lie to the insurance company, and just by chance something happens, it will not be covered. You also will probably be dropped from having coverage. Then the person that is injured has every legal right to sue. I think paying the extra money is better than having that happen.
BTW: Your dog does not have to bite for it to be accused of biting. Stupid people make false reports all of the time.
I live in Texas and so far I haven't been asked about a dog specifically, however, my agent did ask if I had ever had a claim due to any animals I owned...Due to this, i won't let anyone near my horse, even though she's as sweet as they come.
It sucks, but I'd say its fair. Insurance companies base their rates on industry experience. Many states have a "strict liability" law that applies to dog bites, which means that even if a person goes on your property and kicks your dog, if your dog bites, you (or your insurance company) are liable, no ifs, ands or buts. Can any dog bite? Yes. But what type of dogs have the insurance companies spent the most money on? Dobes, Rotts, Pits, Chows, etc. I worked for an insurance company for four years settling claims like these, and they can get expensive. I've seen as high as $750K for a Rottie attack, and they can get much higher (that just happened to be the policy limits). I had a couple of claims for a Chihuahua, a Shih Tzu mix, and a poodle mix that all settled for under $1000. So yeah, insurance companies tend to charge more for the dogs that they've spent more money on. Just like premiums are higher for red cars, sports cars, people with previous accidents or multiple tickets...these people are known to be involved in more accidents than people like my mom, who have never been in an accident, no tickets, and drives a family sedan. The CGC certification is supposed to help though.
And Riley, that's referred to as insurance fraud, and I'd advise strongly against that.
I wasn't even given the option of a higher rate. If I owned one of the "big, bad 4" I could not get homeowners insurance. The 4 are dobies, rotts, pitts and German shepherds. I was also told it also applied to "any breed that had a history of biting someone". Well, last time I checked there weren't any toothless breeds so I don't know what that was supposed to mean. When I whined about it (I had always wanted a rott) the agent said I could have one professionally trained then evaluated and certified to be safe by another trainer, and submit it for consideration to the insurance company. What that means is I'd have a professionally trained, certified safe dog and still could be turned down for insurance.