My GSD is Listed on Home Owners Restriction List?

Linda1270 · 02-19-2013, 01:05 PM

I just found this out when I was getting some price quotes on Home Owners Insurance for my house and car. I had no idea that German Shepherds are on the restriction lists of a lot of different insurance companies. I have not renewed my policy yet and am not due to do this until July. There must be some insurance companies out there that will allow you to own a GSD. After all, my girl as been through obedience training and still sees her trainer, along with me working with her every day. I also am in the process of having a fence built around my entire backyard. So far it's around 3 sides and as soon as the ground thaws out, we will be putting it around the rest of our yard.

I can understand Pit Bulls being on this list and even Rotti's but why Shepherds? Does anyone else have this issue going on with their current insurance company and if so, how did you handle it?

Jax08 · 02-19-2013, 01:08 PM

Try State Farm. And check your state laws. In some states it is illegal to to have a "restriction list"

kiya · 02-19-2013, 01:11 PM

Hartford is not breed restrictive.

1sttimeforgsd · 02-19-2013, 01:18 PM

Like Jax08 said, state farm does not have a restriction on breeds.

Linda1270 · 02-19-2013, 01:22 PM

Thank you both, I will look into these companies and also check the state laws, however, from what one of the agents told me on the phone, I don't think it's illegal in Massachusetts. When I asked why, he said that there were known cases of GSD biting people or something to that extent.

I think this should be left up to the owners discretion, if we are working on training our dog, have them spayed/neutered, have a fenced in yard, then we should be able to have our home insured and not be hassled about it. I mean any dog can bite if put in the wrong situation.

Daisy&Lucky's Mom · 02-19-2013, 01:24 PM

Grange has never asked us what breed we have.

martemchik · 02-19-2013, 01:26 PM

Quote:

Originally Posted by Linda1270

I can understand Pit Bulls being on this list and even Rotti's but why Shepherds? Does anyone else have this issue going on with their current insurance company and if so, how did you handle it?

Really? What's the difference between a Shepherd, Pit Bull, Rottweiler? I'm just wondering why you have this opinion that for some reason those breeds are more dangerous than German Shepherds. Kind of interesting that someone that is angry about their dog being on a restricted list is alright with other people's dogs being on the list.

wolfy dog · 02-19-2013, 01:28 PM

Farmers' Insurance is OK

**gagsd** · 02-19-2013, 01:29 PM

State Farm here as well.
I found it interesting that my Farm Bureau would not insure my house with my dogs.

**Liesje** · 02-19-2013, 01:35 PM

We have Meemic. No restriction but I pay $50/yr/GSD.

02-19-2013, 01:05 PM	#1 (permalink)
Linda1270 Member Join Date: Sep 2012 Location: Massachusetts Posts: 143	My GSD is Listed on Home Owners Restriction List? I just found this out when I was getting some price quotes on Home Owners Insurance for my house and car. I had no idea that German Shepherds are on the restriction lists of a lot of different insurance companies. I have not renewed my policy yet and am not due to do this until July. There must be some insurance companies out there that will allow you to own a GSD. After all, my girl as been through obedience training and still sees her trainer, along with me working with her every day. I also am in the process of having a fence built around my entire backyard. So far it's around 3 sides and as soon as the ground thaws out, we will be putting it around the rest of our yard. I can understand Pit Bulls being on this list and even Rotti's but why Shepherds? Does anyone else have this issue going on with their current insurance company and if so, how did you handle it?

02-19-2013, 01:08 PM	#2 (permalink)
Jax08 Crowned Member Join Date: Feb 2009 Location: NNE PA Posts: 19,021	Try State Farm. And check your state laws. In some states it is illegal to to have a "restriction list" __________________ Michelle _________________________________________ Jax Von Monkeybutt, CGC Queen Banshee Boo Sierra the Undecided Cracker, The Great Shedder Rich N Handsome, "Red"

02-19-2013, 01:11 PM	#3 (permalink)
kiya Knighted Member Join Date: May 2010 Location: Long Island Posts: 2,860	Hartford is not breed restrictive. __________________ Carolyn Apache - Shiloh Shepherd 12/15/02 Kiya - Shiloh Shepherd 5/15/04 Lakota - WGSD 1/13/10

02-19-2013, 01:18 PM	#4 (permalink)
1sttimeforgsd Crowned Member Join Date: Jul 2010 Location: West Virginia Posts: 6,818	Like Jax08 said, state farm does not have a restriction on breeds. __________________ karen, mom to: ace-gsd (bi-color) 6/14/2010 mandy-yellow lab 1/31/2009 baby-terrier mix 11/25/2000

02-19-2013, 01:24 PM	#6 (permalink)
Daisy&Lucky's Mom Crowned Member Join Date: Apr 2011 Location: Ohio Posts: 3,673	Grange has never asked us what breed we have. __________________ Daisy 11/26/99-7/25/12- Lucky- GSD Rescue 2/16/2002 Thunder from the East: adopted 1/25/2013 Miss Chevy Cruz - adopted 1/25/2013

02-19-2013, 01:22 PM	#5 (permalink)
Linda1270 Member Join Date: Sep 2012 Location: Massachusetts Posts: 143	Thank you both, I will look into these companies and also check the state laws, however, from what one of the agents told me on the phone, I don't think it's illegal in Massachusetts. When I asked why, he said that there were known cases of GSD biting people or something to that extent. I think this should be left up to the owners discretion, if we are working on training our dog, have them spayed/neutered, have a fenced in yard, then we should be able to have our home insured and not be hassled about it. I mean any dog can bite if put in the wrong situation.

02-19-2013, 01:28 PM	#8 (permalink)
wolfy dog Elite Member Join Date: Aug 2012 Location: Pacific NW Posts: 1,313	Farmers' Insurance is OK __________________ To know if you are doing things right, you should be willing to trade places with your dog.

02-19-2013, 01:29 PM	#9 (permalink)
gagsd Moderator Join Date: Apr 2003 Location: georgia Posts: 3,870	State Farm here as well. I found it interesting that my Farm Bureau would not insure my house with my dogs. __________________ ----Mary I love my dogs..... But I am a dog owner, not a pet parent. Go Train The Dog!

02-19-2013, 01:35 PM	#10 (permalink)
Liesje Moderator Join Date: Mar 2007 Location: Grand Rapids, MI Posts: 16,257	We have Meemic. No restriction but I pay $50/yr/GSD. __________________ Liesje & the K9s Nikon (GSD) U-CH SG Alta-Tollhaus Bono SchH1 KKL T1 FO PA TF-III FDCh-S CL1-R UJJ U-CA HIT TT CGC Coke (All-American) VPC's Coca-Cola CGC, couch warmer extraordinaire Indy (All-American) Blue Horizon's Indigo Girl, flyball star in training Rainbow Bridge Kenya (GSD) U-CH Alta-Tollhaus-Krieger Lamb Chop CL1-R CL1-F RA HIT TDI TT CGC vom Blauen Horizont / Blue Horizon GSDs

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