Higher Insurance Premium for GSD owners !

ahazra · 10-12-2010, 04:06 PM

I was shopping around today for renewing my house insurance and I was pissed that some Insurance companies actually had a column asking whether I have a Rot, GSD, Pitbull or Doberman as a pet !
Needless to mention I skipped this insurance company. Have other forum members seen discrimination of this nature on other websites ?

TitonsDad · 10-12-2010, 04:19 PM

State Farm has NO breed restrictions.

Montana Scout · 10-12-2010, 05:53 PM

I saw this on another thread and called my insurance company immediately.. I go through USAA but they don't have any breed restrictions, but they do have high risk breeds, which is only a percentage, but nothing to do with raising insurance

pac liter · 10-12-2010, 06:33 PM

My insurance premiums (Mercury) went up a lot when we included our dogs.

On the bottom of the app there is a part that mentions Rotties, Dobbies, Chows, Pitt Bulls, and the Korean Jindo are not covered. Nothing about GSD's thankfully.

Ive read that a high percentage of homeowners insurance claims are dog related.

codmaster · 10-12-2010, 07:39 PM

Quote:

Originally Posted by ahazra

I was shopping around today for renewing my house insurance and I was pissed that some Insurance companies actually had a column asking whether I have a Rot, GSD, Pitbull or Doberman as a pet !
Needless to mention I skipped this insurance company. Have other forum members seen discrimination of this nature on other websites ?

I agree that it is aggravating but not discrimination - ins. co. rates for everything are based on actuarial tables - i.e. mathamatical/statistical information on payouts for certain classes of things. For example why would womens insurance rates be less than equal aged men? Discrimination? NO, they really do live longer! Same with some breeds - insurance companies evidently have found that there are more/bigger claims they pay out for them - hence higher rates!

Some companies may ignore them because they figure it is worth it to get more business!

kiwilrdg · 10-13-2010, 06:30 AM

Just as the folks with several kids pay more than I do with just my wife, there is more liability so there is a higher premium.

ahazra · 10-13-2010, 10:43 AM

The point I'm trying to make is why should an insurance company change premium based on the breed of a pet ! I completely understand if they have a higher premium for all pets (irrespective of breed). Isin't it similar to a situation where an automobile insurance company starts charging higher premiums for soccer moms or Asian drivers. That is just not right !!
NOTE: I'm not stating that soccer mom's or Asian drivers are bad/risky drivers..but there are articles in the net on this topic and I'm just trying to equate the two scenarios and drawing comparison how ridiculous the stance is for Insurance companies !
and oh Yes..I'm Asian !

Jax's Mom · 10-13-2010, 11:01 AM

Quote:

Originally Posted by codmaster

I agree that it is aggravating but not discrimination - ins. co. rates for everything are based on actuarial tables - i.e. mathamatical/statistical information on payouts for certain classes of things. For example why would womens insurance rates be less than equal aged men? Discrimination? NO, they really do live longer! Same with some breeds - insurance companies evidently have found that there are more/bigger claims they pay out for them - hence higher rates!

Some companies may ignore them because they figure it is worth it to get more business!

True... but that's such a simple black and white stat... there are so many variables involved with dogs and such poor record keeping. I could understand if there was a "canine" premium, where if you own a "canine" which can be distinguished in that it is or it isn't a dog; you pay a higher premium because policy holders who have "a canine" have more claims which can be demonstrated in their claims stats.
While they're on the topic of singling out what type of dogs I have are they also looking at the fact that I don't have a yard? No one ever comes in our house? In my neighborhood if anything, it keeps burglars out? How many bites per capita a certain breed has? Probably not, it's too much work, which I completely understand, which is why they shouldn't even bother singling out a breed.

LaRen616 · 10-13-2010, 11:24 AM

American Family Insurance bans Pitbulls, Rottweilers, Chow Chows, Akitas, Wolf Hybrids and anything mixed with those breeds.

Caledon · 10-13-2010, 11:28 AM

Insurance is not fair. Premiums are based on a calculated risk which involve so many factors, which are never to the advantage of the individual policy holder.

If one breed is more likely to bite and cause damage, then the insurance companies need to protect themselves. I really don't blame them, but in a fair world there would be an additional premium for a dog, dogs, and type of dog.

And they really should add cats to that list too. A cat bite requires medical attention when the skin is broken.

10-12-2010, 04:06 PM	#1 (permalink)
ahazra Senior Member Join Date: Aug 2010 Location: Atlanta, GA Posts: 263	Higher Insurance Premium for GSD owners ! I was shopping around today for renewing my house insurance and I was pissed that some Insurance companies actually had a column asking whether I have a Rot, GSD, Pitbull or Doberman as a pet ! Needless to mention I skipped this insurance company. Have other forum members seen discrimination of this nature on other websites ?

10-12-2010, 04:19 PM	#2 (permalink)
TitonsDad Elite Member Join Date: Nov 2009 Location: Colorado Springs, CO Posts: 1,028	State Farm has NO breed restrictions. __________________ -Erich Jove vom Denali - HOT Waiting at the Bridge: Samurai

10-13-2010, 06:30 AM	#6 (permalink)
kiwilrdg Master Member Join Date: Aug 2010 Location: Tidewater Virginia Posts: 655	Just as the folks with several kids pay more than I do with just my wife, there is more liability so there is a higher premium. __________________ I would like to be as good as my dogs think I am.

10-13-2010, 11:24 AM	#9 (permalink)
LaRen616 Crowned Member Join Date: Mar 2010 Location: Northern Illinois Posts: 10,582	American Family Insurance bans Pitbulls, Rottweilers, Chow Chows, Akitas, Wolf Hybrids and anything mixed with those breeds. __________________ ~ Sinister 3 yr old black male GSD 3.11.09 ~ Malice 9 mth old black female GSD 6.19.11 Cats: Chaos, Monster, Wicked

10-12-2010, 05:53 PM	#3 (permalink)
Montana Scout Senior Member Join Date: Sep 2010 Location: helena, mt Posts: 386	I saw this on another thread and called my insurance company immediately.. I go through USAA but they don't have any breed restrictions, but they do have high risk breeds, which is only a percentage, but nothing to do with raising insurance

10-12-2010, 06:33 PM	#4 (permalink)
pac liter Junior Member Join Date: Jul 2010 Posts: 43	My insurance premiums (Mercury) went up a lot when we included our dogs. On the bottom of the app there is a part that mentions Rotties, Dobbies, Chows, Pitt Bulls, and the Korean Jindo are not covered. Nothing about GSD's thankfully. Ive read that a high percentage of homeowners insurance claims are dog related.

10-13-2010, 10:43 AM	#7 (permalink)
ahazra Senior Member Join Date: Aug 2010 Location: Atlanta, GA Posts: 263	The point I'm trying to make is why should an insurance company change premium based on the breed of a pet ! I completely understand if they have a higher premium for all pets (irrespective of breed). Isin't it similar to a situation where an automobile insurance company starts charging higher premiums for soccer moms or Asian drivers. That is just not right !! NOTE: I'm not stating that soccer mom's or Asian drivers are bad/risky drivers..but there are articles in the net on this topic and I'm just trying to equate the two scenarios and drawing comparison how ridiculous the stance is for Insurance companies ! and oh Yes..I'm Asian !

10-13-2010, 11:28 AM	#10 (permalink)
Caledon Elite Member Join Date: Nov 2008 Location: Ontario Posts: 1,787	Insurance is not fair. Premiums are based on a calculated risk which involve so many factors, which are never to the advantage of the individual policy holder. If one breed is more likely to bite and cause damage, then the insurance companies need to protect themselves. I really don't blame them, but in a fair world there would be an additional premium for a dog, dogs, and type of dog. And they really should add cats to that list too. A cat bite requires medical attention when the skin is broken.

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