Dog Liability insurance???

Topdog · 02-17-2010, 11:35 PM

So I live in Massachussets, and If I rescue a GSD, my home owners Ins (Vermont mutual) will be dropped. Well I can switch to another company and there is a chance that if the dog and I complete the AKC CGC training I can go with them, However the other company wont let me bundle with my car and would cost me alot more. Really I'm looking for a way out of this crap.

I suppose I don't need to tell my Ins company I have a dog, however that idea is not without its issues.
Is there a just for dog liability insurance I can get for my dog that will cover my dog and keep my Ins Co from dumping me.
What do other people do? I guess im just looking for ideas and suggestions here. I can't be the only one in this boat.

Thank you so much!
Ryan

SRQ5363 · 02-24-2010, 02:16 PM

Ryan, you are not the only one. I just joined this group for this very reason. I just came up for renewal on the homeowners insurance I've had for years and noticed that the policy said that I didn't have dogs. I called the agent and told her I have a GS and a Siberian. She checked it out and was told that I'd have to go elsewhere. She also told me that the insurance company could have refused to pay on a claim for something completely unrelated to my dogs had I not made them aware of the dogs being present in the home. I had to go to another company that would tolerate the dogs but the insurance doesn't cover me if the dogs were to bite someone or another dog. So, I am also looking for a "dog liability insurance" company to cover me against an extremely unlikely event.

jasonGSD01 · 02-26-2010, 03:41 PM

Check State farm. I just went through this today. I rent a house and the landlord has a insurance company that will not cover GSD. So I went to state farm and took out renters insurance with a $300,000 Liability coverage. So my renters insurance will cover the GS in case anything was to happen. If you look hard enough theres aways a option.

Also I pay 15.00 a month. of course everyones coverage rate will be different.

Jason

smyke · 02-26-2010, 04:42 PM

Quote:

Originally Posted by jasonGSD01

If you look hard enough theres aways a option.

not if you live in Massachusetts there isn't. LOL

you will have to check around Topdog. each company will have different guidelines.
Our agency deals with few different companies and GSDs are on the list with only one of them.
here is the list of companies that offer home owners insurance in Mass.

to answer your question about not disclosing the dog?
yes, if there is a claim and you misrepresented on your application your company may deny a claim.

I am not aware of any policies that will cover dog bite liability only, but then again I dont do business in all the states.

littledmc17 · 02-26-2010, 04:56 PM

which I think is total crap these insurance agencies.
So you mean to tell me that all the K9 officers in Mass don't have insurance because their partners are living with them and the Ins companies won't cover them

Insurance is a total scam!!
My fathers yorkie and Golden will bite someone before my GSD will

selzer · 02-26-2010, 05:17 PM

So if you own a GSD, and did not disclose it to the insurance company, and lightning strikes your house, and it ends up burning to the ground, the insurance company can say they will not cover the damage because you own a dog???

Has anybody taken them to court on this???

Would they win???

littledmc17 · 02-26-2010, 05:20 PM

Totally agree with that one Selzer

jasonGSD01 · 02-26-2010, 05:22 PM

A lighting strike is a act of God. So it would be covered, the high personal liability that i was quoted was to cover the dog. The dog falls under personal property. Of course i am talking renters insurance and your talking home owners.

Sigurd's Mom · 02-26-2010, 05:30 PM

I have triple A. It's not the best coverage for dog liability, so basically, if he bites someone, and whoever wants to sue, blah blah, I have to get rid of him but they will cover all expenses. They know I have a GSD. We actually just called and asked recently, didn't raise any eyebrows or fees.

Lilie · 02-26-2010, 05:33 PM

My home owners frowned because we had dogs in our back yard, and we live out in the country. When he came over to audit (we added different policies for livestock) he noticed that we had a hot wire around the back yard fence. This was mostly to keep the horses from leaning over the chain link - but he stated that made a difference on our policy and accepted the dogs as is. I dunno.

02-17-2010, 11:35 PM	#1 (permalink)
Topdog New Member Join Date: Feb 2010 Location: MA Posts: 24	Dog Liability insurance??? So I live in Massachussets, and If I rescue a GSD, my home owners Ins (Vermont mutual) will be dropped. Well I can switch to another company and there is a chance that if the dog and I complete the AKC CGC training I can go with them, However the other company wont let me bundle with my car and would cost me alot more. Really I'm looking for a way out of this crap. I suppose I don't need to tell my Ins company I have a dog, however that idea is not without its issues. Is there a just for dog liability insurance I can get for my dog that will cover my dog and keep my Ins Co from dumping me. What do other people do? I guess im just looking for ideas and suggestions here. I can't be the only one in this boat. Thank you so much! Ryan

02-26-2010, 04:56 PM	#5 (permalink)
littledmc17 Crowned Member Join Date: Apr 2008 Location: Massachusetts Posts: 11,306	which I think is total crap these insurance agencies. So you mean to tell me that all the K9 officers in Mass don't have insurance because their partners are living with them and the Ins companies won't cover them Insurance is a total scam!! My fathers yorkie and Golden will bite someone before my GSD will __________________ Dawn GSRNE Volunteer "A dog a day keeps the Doctor away!" proudly owned by: Brady von Barren Berg, CGC GSD 5/4/05 Cooper von Nordosten, GSD 12/27/10 Missy, Chocolate Lab 3/9/03

02-26-2010, 05:17 PM	#6 (permalink)
selzer Crowned Member Join Date: May 2005 Location: Denmark, Ohio Posts: 16,685	So if you own a GSD, and did not disclose it to the insurance company, and lightning strikes your house, and it ends up burning to the ground, the insurance company can say they will not cover the damage because you own a dog??? Has anybody taken them to court on this??? Would they win??? __________________ RIP Arwen, CD RN CGC RIP Whitney, RN CGC Jenna, RN CGC Babs, CD RA CGC Herding Instinct Certificate Heidi, RA CGC Tori, RN CGC SG3 Odessa, SchH1, Kkl1, AD Ninja, RN CGC Milla, RN CGC Joy, Star Puppy, RN CGC Dolly & Bear

02-26-2010, 05:20 PM	#7 (permalink)
littledmc17 Crowned Member Join Date: Apr 2008 Location: Massachusetts Posts: 11,306	Totally agree with that one Selzer __________________ Dawn GSRNE Volunteer "A dog a day keeps the Doctor away!" proudly owned by: Brady von Barren Berg, CGC GSD 5/4/05 Cooper von Nordosten, GSD 12/27/10 Missy, Chocolate Lab 3/9/03

02-26-2010, 05:30 PM	#9 (permalink)
Sigurd's Mom Elite Member Join Date: May 2009 Location: Kalamazoo, MI Posts: 1,177	I have triple A. It's not the best coverage for dog liability, so basically, if he bites someone, and whoever wants to sue, blah blah, I have to get rid of him but they will cover all expenses. They know I have a GSD. We actually just called and asked recently, didn't raise any eyebrows or fees. __________________ Sigurd vom Kolenda (DOB: 3/11/2009)

02-24-2010, 02:16 PM	#2 (permalink)
SRQ5363 New Member Join Date: Feb 2010 Posts: 3	Ryan, you are not the only one. I just joined this group for this very reason. I just came up for renewal on the homeowners insurance I've had for years and noticed that the policy said that I didn't have dogs. I called the agent and told her I have a GS and a Siberian. She checked it out and was told that I'd have to go elsewhere. She also told me that the insurance company could have refused to pay on a claim for something completely unrelated to my dogs had I not made them aware of the dogs being present in the home. I had to go to another company that would tolerate the dogs but the insurance doesn't cover me if the dogs were to bite someone or another dog. So, I am also looking for a "dog liability insurance" company to cover me against an extremely unlikely event.

02-26-2010, 03:41 PM	#3 (permalink)
jasonGSD01 Member Join Date: Feb 2010 Posts: 120	Check State farm. I just went through this today. I rent a house and the landlord has a insurance company that will not cover GSD. So I went to state farm and took out renters insurance with a $300,000 Liability coverage. So my renters insurance will cover the GS in case anything was to happen. If you look hard enough theres aways a option. Also I pay 15.00 a month. of course everyones coverage rate will be different. Jason

02-26-2010, 05:22 PM	#8 (permalink)
jasonGSD01 Member Join Date: Feb 2010 Posts: 120	A lighting strike is a act of God. So it would be covered, the high personal liability that i was quoted was to cover the dog. The dog falls under personal property. Of course i am talking renters insurance and your talking home owners.

02-26-2010, 05:33 PM	#10 (permalink)
Lilie Crowned Member Join Date: Feb 2010 Location: South Texas Posts: 5,649	My home owners frowned because we had dogs in our back yard, and we live out in the country. When he came over to audit (we added different policies for livestock) he noticed that we had a hot wire around the back yard fence. This was mostly to keep the horses from leaning over the chain link - but he stated that made a difference on our policy and accepted the dogs as is. I dunno.

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