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Old 06-26-2010, 02:45 PM   #1 (permalink)
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Default Homeowners insurance

I've been searching around these forums about homeowners insurance and how it relates to GSDs. I haven't informed my company yet and am debating doing so. They did ask me when I originally signed up for the insurance if I owned a dog and specifically if I owned one of those on the 'dangerous dog list'. At that time I said no because it was the truth but now that the dog is here I realize that reporting it is up to me. I'm in Arizona with AAA by the way. Does anyone know their stance on the dangerous dog breeds? I can't seem to find the info anywhere.

I'm thinking I should report the dog to them because I am concerned about coverage for home needs being disqualified due to my dishonesty. How likely is that scenario, in your experiences? Not referring here to liability for dog bites or other dog-related issues -- instead I am wondering if there is a real risk that home repair and replacement needs would not be covered if they found out I didn't report ownership of the dog.

Last edited by Jennifer; 06-26-2010 at 02:47 PM.
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Old 06-26-2010, 05:07 PM   #2 (permalink)
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I'm in Phoenix and with American Family Insurance. GSD's are not on their list of dangerous dogs. When I had King (another GSD), I was with Allstate and they were ok with him too. Sorry, I don't know about AAA. Good luck!!
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Old 06-26-2010, 05:18 PM   #3 (permalink)
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I know Farmer's doesn't ban Shepherds and I've been happy with them.
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Old 06-26-2010, 05:20 PM   #4 (permalink)
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If I were in your position, I would call my insurance agent and simply ask. Ask them whether they ban certain breeds, and, if so, whether German Shepherds are among them and if there are any exceptions. Some insurance companies will make an exception if they can meet the dog and see if he is friendly, or if you can provide proof of training, such as a CGC certificate, for example.

If your insurance company will not insure your dog, I would look for a different company that will. Just because one does not doesn't mean another won't, either.

We had Traveler's in Virginia and have been very happy with them, but when we moved to New York, they would not insure us because we are located out in the country and "too far" from the fire station. So we shopped around for new insurance and ended up with State Farm and have been very happy with them.
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Old 06-26-2010, 05:26 PM   #5 (permalink)
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I have to get insurance for my dogs. I have a Boxer and a German Shepherd.. I wonder if telling the insurance company that I have those two dogs will raise my rate or not.

What do you guys think?
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Old 06-26-2010, 05:26 PM   #6 (permalink)
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Yes, I guess one scenario is that I would have to switch insurers so I am glad there are a number of options for that.

What about raising rates? Is that to be expected. I already know that they consider GSDs to be a 'dangerous breed'.
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Old 06-26-2010, 05:27 PM   #7 (permalink)
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Oh, that is funny, Adrian -- we cross posted about the same thing.
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Old 06-26-2010, 05:31 PM   #8 (permalink)
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I would definitely recommend you call your insurance agent and ask those questions.

Some insurance companies include dogs under the liability clause in your insurance. Some will not. Some will require you to buy a separate policy to cover the dogs (I believe this is called an "umbrella policy"?).

When you get a quote, they ask you all sorts of questions and your answers plus the amount of coverage you choose is what determines your insurance rates. If you have firearms, for example, and they are covered, maybe your rate would be higher than someone who does not have firearms. If you have a sprinkler system in your newly-built home, or fire extinguishers, maybe your rate will be lower. It's the overall that is taken into account and determines your rate.
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Old 06-26-2010, 07:37 PM   #9 (permalink)
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Quote:
Originally Posted by Jennifer View Post
Oh, that is funny, Adrian -- we cross posted about the same thing.
Hahaha, well, I guess if someone doesn't see my question, they'll read yours! Haha.
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Old 06-27-2010, 12:20 AM   #10 (permalink)
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So, what kind of rate increases occurred for those of you whose rates were raised when you got a GSD?
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