My GSD is Listed on Home Owners Restriction List? - German Shepherd Dog Forums
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post #1 of 52 (permalink) Old 02-19-2013, 01:05 PM Thread Starter
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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?
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post #2 of 52 (permalink) Old 02-19-2013, 01:08 PM
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Try State Farm. And check your state laws. In some states it is illegal to to have a "restriction list"




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post #3 of 52 (permalink) Old 02-19-2013, 01:11 PM
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Hartford is not breed restrictive.

Carolyn
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post #4 of 52 (permalink) Old 02-19-2013, 01:18 PM
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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
dixie-shep/lab 2/21/2013

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post #5 of 52 (permalink) Old 02-19-2013, 01:22 PM Thread Starter
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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.
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post #6 of 52 (permalink) Old 02-19-2013, 01:24 PM
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Grange has never asked us what breed we have.

Daisy 11/26/99-7/25/12
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post #7 of 52 (permalink) Old 02-19-2013, 01:26 PM
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Quote:
Originally Posted by Linda1270 View Post
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.
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post #8 of 52 (permalink) Old 02-19-2013, 01:28 PM
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Farmers' Insurance is OK

Deja, GSD, sable WL, female, born 11 / 2013
Cam, Rough Collie, sable, male, born 8/2015
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post #9 of 52 (permalink) Old 02-19-2013, 01:29 PM
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State Farm here as well.
I found it interesting that my Farm Bureau would not insure my house with my dogs.

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von den Thermalquellen

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post #10 of 52 (permalink) Old 02-19-2013, 01:35 PM
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We have Meemic. No restriction but I pay $50/yr/GSD.

Coke (All-American 7/7/06)
Nikon (GSD 9/7/08)
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