we saved MS. VISHIOUS from being put down at the pound and she's been a part of our lives for 4 years now. on 02/08/08 my family and i were told that on 02/11/08 our home owers insurance would be sending someone to determine wheither or not if MS. VISHIOUS is in fact a pitbull. (apparently the people who live next door are complaining to the insurance company). if they determine that she is in fact a pitbull we will be forced to get rid of her. how can they do that? its like asking us to throw away one of our children. can anyone please give me some advise as to what i can do to keep my dog?
Where do you live? Call around and fine an insurance co that will accept her. Tell them she is some sort of terrier mix. I know in Massachusetts, the Mass Fair Plan doesn't care what you have for dogs. You may have to pay a little more for a premium, but it's worth keeping your baby. I am not talking a ton more, maybe 100 a year. I know that State Farm doesn't care what the dog is as long as they haven't bitten anyone in the past 3 years. Also, you may be able to...if you are willing, to take her to a trainer to get her her CGC...Canine Good Citizen certificate...and maybe look into getting her certified as a therapy dog....that way, no matter what her breed...you can keep her. Hope this helps.
I agree, Get another insurance carrier. When we bought our house the old home owner suggested we try her Co. We looked into it and went elsewhere when we found out their large dog policy. Trade in your insurance, not the pet. And just tell the neighbor your boxer or am bull dog mix was found to be just that, likely if you say you switched they will try to cause trouble w/the new insurance too. I used to rent and had a neighbor tell our land lord that our 8 week old puppy growled at him. It wasn't true of coarse but when people get scared (and breed morons) they will lie and say anything. Good Luck!
I'm not sure where you live, but around here the city councils are having so many problems with specific breed groups they are passing liability laws for the owners. Contact your city hall, and ask for a copy of the ordinance (if any), keep a copy handy in case of a complaint. Keep your cool, try to be understanding with the neighbors. It will prevent trouble later if you have been overly cautious, and nice. Try the "catch more flies with honey" approach. You may have to purchase liablity insurance of a certain denomination to stay in code. I know here it is $100,000.00 worth to posess an animal in their "dangerous breed" groups. I know it is not the breed, or every owners fault for the bad rep. But they have to protect thier bottom line, too. I would also be cautious of the neighbor suing you for false charges against your pet as well. That can take your whole live savings, or more. Sorry to say, but our free society is not very "free" anymore.
We have an akita and when renewing our yearly policy on our homeowners insurance we informed them of our dogs breed and they were too going to cancel our insurance unless we signed a liability waiver... to where if our dog did bite anyone that would not be covered.... i would ask about that.... i do also think it's stupid... our dog is so so so so friendly with people and other dogs... i think it's ashame that insurance companies base these things just on a dogs breed... when they don't know the dog....
I've seen a look in dogs' eyes, a quickly vanishing look of amazed contempt, and I am convinced that basically dogs think humans are nuts." - John Steinbeck
How on earth is your neighbor complaining to your insurance company? I don't even know what company my sister uses let alone who my neighbors have. I can't see how they would be qualified to determine the dog's breed if the shelter wasn't even sure. Get a new insurance company. Some of them have a special rider for dog liability but they certainly can't make you get rid of the dog. There are people all over the country who have pit bulls and other dogs with bad reputations. Somebody is insuring all of them.
Its really sad when labels are put on an animal. I have yet to ever meet a mean pitbull. But because they fall into the wrong hands, they are labeled as "bad" dogs and its totally unfair to the millions of pitbull owners who have wonderful loving family pets. I have bully breeds, French and English Bulldogs. i know they are listed on some of the "bad" dog lists. If it came down to giving up my dogs because of where i live ? My babies and i would be packed and gone before anyone knew what hit. Even if it meant living in a tent.
If you are a dog and your owner suggests that you wear a sweater, suggest that he wear a tail.
If your in the USA try state farm insurance, they will insure with pitty's. Also file a complaint with the insurance ombudsman, against the company. I would like to know what qualifications the, insurance assessor has in order to determine breed. My partner works in insurance please PM me the name of the company and where you live.
I say quit yer bitchin' and find a different insurance company. There are numerous companies out there in this soft market that it will gladly accept your premium.
I come from a biased position as an employee of an insurance company. Your home, your apartment, etc is called a "risk". Companies accept premiums based upon the "risk" involved with your dwelling. Some but not all of the things looked at are: dogs, number of dogs, zip codes, trampoline on property, unfenced pools, in or above ground, the list goes on and on.
I recently settled a claim with a minor female with a dog bite to the face by a Lab. The cost of that settlement $115,000. Those costs are passed onto policy holders.
I don't know who your company is, don't care or want to know. But, if you throw in dog bites from a "friendly" breed as a Lab, throw in some bites from a pit or some other pit looking type of dog, there comes a point where it is not fiscally responsible. Is it right? Probably not. But, that is the free market.
I like him a lot better than I like most people. To you he's a dog. TO me he's an adopted son who is short, hairy, walks on all fours and doesn't speak clearly. I have no problem with any of these. <
Shopping around for a different homeowners insurance company would definitely be worth your time. Insurance companies can get jumpy about some things and decide they just don't want the risk. You should be able to find a company that will insure you.
I would be curious too as to how the insurance company found out about all this. The only thing I can think about is maybe the insurance company is listed in the public record with your mortgage company?? Hard to tell.
From experience I can tell you that Pit bulls are very aggresive. Most likey from the insurance point of view, the worst. When I was a child in California, my brother and a friend were playing in the front yard of our home. The neighbors dog, a pit bull, broke through a wooden fench attacked my brothers friend. Locked it's jaws on his rib cage. Four grown men had tried to beat the dog off the little boy. It wasn't until animal control, the fire and police dept. showed up that they were able to get the dog off. Not saying that your dog is aggresive, but I do agree with everyone else. Get a good doggy certificate. Change insurance com. Like the others said how do your neighbors know your insurance co. Have they been in your home or mail? I'd be watching them. Sounds like they are really nosy.