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Thread: Canadian Home/GSD owner (liability) insurance!? Reply to Thread
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Topic Review (Newest First)
04-19-2014 12:20 AM
llombardo
Quote:
Originally Posted by belladonnalily View Post
It might be different in different states, same company.

My friend is an Allstate agent, and my daughter works for her.

In Virginia, you cannot have a Rott or a Pitt, and as of recently, Siberian Husky, when you begin coverage. But you can get any of the 3 the day after coverage begins and Allstate can't do anything about it.


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I wonder if the clauses are different from state to state to? She told me that if one of the breeds listed is brought into household during the policy that they wouldn't cancel it in the middle but they would not renew it.
04-19-2014 12:01 AM
belladonnalily It might be different in different states, same company.

My friend is an Allstate agent, and my daughter works for her.

In Virginia, you cannot have a Rott or a Pitt, and as of recently, Siberian Husky, when you begin coverage. But you can get any of the 3 the day after coverage begins and Allstate can't do anything about it.


Sent from Petguide.com Free App
04-18-2014 10:53 PM
Wild Wolf I just got home insurance with state farm and there was zero issues with my two GSDs. I really like State Farm for insurance, tbh!
04-18-2014 09:16 PM
llombardo The OP has obviously heard something...

Canadian Home/GSD owner (liability) insurance!?

Hello dear fellow Canadians,

An interesting topic came about and has left me puzzled and angry as never before...

So it seems that your home insurance can easily refuse you if you are owner of a GSD breed? What?
04-18-2014 08:42 PM
shaner Yes, but the OP of this thread is from Canada, as am I, so I assumed it was obvious I was talking about Canada. I also assumed that you were also talking about Canada despite what your location says. It's obviously very different in the US than up here in Canada, and a big reason is our insurance companies don't have to worry about massive payouts for healthcare.

We have no list nor does All State give one hoot about dogs, at least in Ontario, Canada.
04-18-2014 07:16 PM
llombardo So I just called All State and asked them if there is a list and they said yes and it goes state by state and zip code. St Bernard's, labs, Pitts, GSD, boxer, Akita are just a few. If you have there insurance and you get one of these breeds they cancel your policy at the end if the term. There is not even an option to pay more, you are done. Per the lady GSD's are vicious by instinct and any dog bred with these instincts are banned..not sure how the St. Bernard or Lab fit in there?
04-18-2014 06:43 PM
llombardo
Quote:
Originally Posted by shaner View Post
So you're getting all this information based on the fact that your quote with All State was more expensive than State Farm? I just asked the guy who runs the entire All State office here and he told me there is no list and they generally don't care about dogs because it's not a big issue for insurance in Ontario.
I'm basing it on the fact that my mom lost her insurance with All State because she owned a Rott. I'm also basing it off the fact that when I called the customer service number and they asked me about my dogs I was made aware of it. I made them aware that my dogs shouldn't matter and they made it clear they did, that is where that phone call ended. Then I called a local agent and they stated that a list doesn't exist when we started the process but once again the breed if dog came up. The lists are all over the internet, it's not hard to find the insurance companies that have the lists, don't have the list, or look at if as a case by case.
04-18-2014 04:54 PM
shaner
Quote:
Originally Posted by llombardo View Post
Another interesting thing....

Allstate....They will not provide insurance for a household that has more than three dogs, only one of which can be a German Shepherd or a Doberman pinscher. They do maintain a list of restricted breeds and will not write or renew policies for homeowners who house those breeds.
So you're getting all this information based on the fact that your quote with All State was more expensive than State Farm? I just asked the guy who runs the entire All State office here and he told me there is no list and they generally don't care about dogs because it's not a big issue for insurance in Ontario.
04-18-2014 02:16 PM
llombardo
Quote:
Originally Posted by angelas View Post
One thing to remember is that the USA and Canada are two different countries. The laws of one don't apply to the other, and even company policies can be different between countries.

It would be no surprise to me that insurance for homes with black-listed dogs in the US is still available in Canada because a) we haven't become as litigious up here, b) there are no medical expenses for an insurance company to pay in the event of a dog bite since we don't pay for health care up front (it's paid for through taxes). So a settlement for a dog bite is going to be significantly cheaper in Canada than in the US.
Well I think the OP is in Canada and the topic came up, so I'm thinking it is the same.
04-18-2014 12:59 PM
angelas One thing to remember is that the USA and Canada are two different countries. The laws of one don't apply to the other, and even company policies can be different between countries.

It would be no surprise to me that insurance for homes with black-listed dogs in the US is still available in Canada because a) we haven't become as litigious up here, b) there are no medical expenses for an insurance company to pay in the event of a dog bite since we don't pay for health care up front (it's paid for through taxes). So a settlement for a dog bite is going to be significantly cheaper in Canada than in the US.
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