I know this is gonna get your blood flowing but i just wanted to share this with you guys and I know its not fair but just wanted you to know this...I live in NY and we purchased a house and the insurance people came and checked things out, took pictures. Well my friend brought his Pit with him just to see the property and the Ins agent actually had the nerve to say to me that they can NOT insure me if the PITBULL was mine. I was stunned at first. I asked why and they said you can NOT have a pitbull, or a rotty (there was a couple others these just stuck out in my head.) They said it is because of so many insurance claims against home owners who have had been sued for damages. Basically they dont want to take a chance with these breeds. I was Amazed that she would even say this to us both of our mouths just dropped.... It disgusts me that these poor dogs really dont have a fighting chance with the way society thinks.
A few home insurance companies do that. I know State Farm only asks if your dog has ever bit anyone and if you have done anything to prevent it from biting again, but they don't ask about breed, they know any breed can attack. Farmers is bad. They are the worst of the bunch. I know a lot of people that don't have breeds on thier "black list" but they won't use Farmers becuase of the breeds they won't allow. I know, it is stupid and sick, and I hope they realize what they are doing it dumb.
They didn't ask me about my dogs. They just came out and said you have 5 dogs I said yeah and that was it. But of course they thought Storm was a Pit Bull and were scared to death of her. The other day i actaully had an INS agent out here to look at my truck for Ins. cause i was hit a few weeks back and the guy actaully was looking into get an American Bulldog and he knew what she was. I almost cooked the man dinner!! I was so impressed he was the first person EVER to know she was a American Bulldog.
People really get your dog confused with a pitbull.. I mean they are somewhat similair but I have seen pictures of your pup and dont think he/she looks anything like a pit.. see its all sterotype.. It so wrong and it distrubs me.. I think this is why i live in the woods.. LOL so i dont have to deal with idiots..
Yes, it's true that some insurance companies have a breed blacklist. Here's alist of most homeowners insurance company policies on dog breeds http://www.akc.org/love/dip/legislat/insurance_chart0702.cfm State farm may be more expensive but it's worth it IMHO if you don't have to put up with the BS from some companies. Allstate and Liberty Mutual are the worst. Farmers really isn't that bad, honestly.
I just don't get it. This is your house, how in the hell (sorry for my french) can they tell you what breed of dog you own!!! That is just stupid. If i want a dog and i own my house i WILL own any breed i want. I think these companys need to go out of biz... UUGGHHH!!
i have allstate. they will insure any breed, i believe, but some have a higher premium. they also ask you a bunch of questions about the dog that determine your premium. like if it is trained to be a guard dog, breed, age of the dog, has it bit anyone, and if so, was it provoked, or was it a child that was bit. they want to know all the circumstances that caused the dog to bite. my agent told me that being provoked and biting or biting a child (often the same thing) carried less weight than if it is a dog trained to guard or 'attack'. he also said they have an option that they will still insure you but not cover any damages caused by the dog. for instance, if someone slipped on your icy driveway and sued they'd cover, but if the dog bit someone they wouldnt, or they will also cap the 'dog bite' damage and insure you. i have qa 12 lb american eskimo, so i'm safe. the worst she'll do is lick someone to death :)
In some states, it is illegal for insurance companies to block selling homeowners insurance to people even if they own dogs on the 'black list'. So even if you had say, an Akita, and lived on one of those states with the policy, they would still have to sell you insurance by law. I suspect that may be your situation Eskiegirl.
Where I live, You have to just check with your insurance and we sometimes get dogs at the shelter because of insurance reasons, people don't want to pay more for their dog. Also, whenever we adopt out a Pitbull, Rottweilier, Chow, German Shepard. I know that their are more but anyways, we ask them to check their insurance, so we do not get a returned dog, and quite a few times we have hasd them call and say sorry can't take the dog, my insurance won't allow it. Also, if you rent, you have to have you landlord check with their insurance to see if they are allowed. Isn't it pathertic? I personally, live in a very small town where no one cares what dog you have as long as they are nice. (Which my next door neighbors do not have a nice dog) He is a Pit bull/Shar Pei, I love dogs but I cannot stand him. He is mean and has already bitten his owners. I won't go outside if he is there. He is that aggressive. (Isn't that sad?) His owners are morons though. AGGGRRHH!! People in general are morons!
I'm in Texas and so far I've only had them ask what kind of dogs we have and if they had ever bitten anyone. I had State Farm for 12 years and then switched to Farmers. Now of course my dogs wouldn't hurt a flea, but at one time I had a gsd, rottie, and samoyed at the same time. I'm not sure if they even knew since I got the rottie and gsd later. I knew some companies did this, but I didn't realize the extent. It's really sad, and helps perpetuate the myth, as we all know blame the owner not the breed.
I have State Farm but there are no stipulations with them. Lucky for me since I have anywhere from 4-8 APBT at a time. But we do however pay a higher premium because we have a fireplace in our home and also owning a trampoline can cause rates to be higher. There are many Insurance companies that have a list of dogs considered "high risk".