Join Date: Jan 2005
Location: ontario, canada
I don't know who you deal with, but it sounds more like US insurance rhetoric. I have State Farm currently, no dog issues, previously I went through a broker to get Gore - was cheaper in that area. Nobody has ever asked or cared what dogs I owned. When I worked with a broker, it was type of home, property size, my dogs didn't factor into the equation. Canadian insurance is very different than US, very few companies care about your dog unless it is a legislated restricted breed, which unless you own a pitbull, in a legislative restricted area is a non-issue. Canadian insurance firms are insulated and invested far differently than US, even a firm with mutual interest, Canada is a whole different ball of wax. Unless you cannot by legislation own a breed, it's fair game, unless your company is 51% wholly owned US... Most insurance companies are individually diversified enough, that the 11% Canadian owned shares mean nothing on their limitations and liabilities.
Of course if your credit sucks, then you are at the mercy of the insurance company who will take you. The average person, give your property size, their assessment of your value is always higher, the payer in case of disaster. It's all over. Dogs factor minimal in insurance in Canada, unless you are a roach and then they will deny you for wearing pink panties on Thursday!