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Thread: Do I tell my homeowner's insurance company about our new pup? Reply to Thread
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Topic Review (Newest First)
Today 02:44 AM
BePrepared I'm an Allstate agent. Here's how this will work if you have a claim. Your contract (assuming it's with a major insurer) does NOT prohibit the possession of any specific type of dog, although they may reject you at signup for having certain types of dogs. At the time of signup, they asked you if you have a dog. If you answered that question truthfully AT THAT TIME, your coverage will be honored regardless of your subsequent addition of a dog to the family.

If you have a claim for dog liability (dog bite, etc) they will pay your claim, then most likely non-renew you at your next renewal. This will not prevent them from paying the claim, plus any associated court costs.
Yesterday 08:47 PM
Rottendog
Quote:
Originally Posted by WateryTart View Post
My insurance company nixes Rotts, pits and pit mixes, Akitas, Chows, and wolf hybrids. I think that's it.

Related question, do breed restrictions by insurance companies bother anyone? I have friends who are pit fans who hate that insurance companies can do this; I am less bothered because I figure some team of actuaries somewhere had data showing that Dogs A, B, and C cost the company significantly more in claims than other dogs. I don't like it, but it obviously didn't bother me enough that I took my business elsewhere.
Yes it bothers me very much. I recently built a new house and refuse to do business with insurance companies which have breed bans and which require you to have all of your insurance at their company. I actually ran into one company which refused to cover my house unless I gave them all my insurance business. I choose to insure my cars and house with different companies due to a bad past experience with an insurance company. Yes I know rates are a little higher but it should be my choice. I could see having a higher rate or rider for a particular breed like you do for different kinds of cars. Needless to say, a Corvette would cost more to insure than my 2003 Durango puppy hauler. However if I choose to have the Corvette, then I would willingly pay the price. I see the same with dogs. If I want the bottom dollar rates, then I have no dogs or a fufu dog. Too bad insurance companies don't wake up and realize this. But then again, I see them as someone who is trying their best to remove me from my money with zero responsibility on their part. Yep no love lost here for insurance companies.
07-07-2014 03:22 PM
WateryTart
Quote:
Originally Posted by lalachka View Post
That's because you know you yourself will be fine. And that's how all the restriction are creeping up on us. Today one insurance company wants to save money by banning some breeds. Tomorrow another likes the idea and bans them too. Then all dogs are banned. I'm exaggerating but this is how it happens. They test out a little and wait for the backslash. There's none so they go on with limitations.

I'm also guilty of only caring when it comes to me.
Okay.
07-07-2014 03:07 PM
lalachka
Quote:
Originally Posted by WateryTart View Post
I don't think you're attacking!

It's true that people in general care more when we're directly affected. But at the risk of sounding like I doth protest too much: I really wouldn't have been up in arms if the GSD had been on "the list" for one company. I knew another would be fine, and given how far in we were at that point, it would have been a simple matter of asking my husband what needed to happen to switch companies and taking that on as a household action item.

I tend to be pretty matter of fact about this stuff; I'm a data person myself, so I get it.

That's because you know you yourself will be fine. And that's how all the restriction are creeping up on us. Today one insurance company wants to save money by banning some breeds. Tomorrow another likes the idea and bans them too. Then all dogs are banned. I'm exaggerating but this is how it happens. They test out a little and wait for the backslash. There's none so they go on with limitations.

I'm also guilty of only caring when it comes to me.
07-07-2014 02:52 PM
llombardo
Quote:
Originally Posted by WateryTart View Post
My insurance company nixes Rotts, pits and pit mixes, Akitas, Chows, and wolf hybrids. I think that's it.

Related question, do breed restrictions by insurance companies bother anyone? I have friends who are pit fans who hate that insurance companies can do this; I am less bothered because I figure some team of actuaries somewhere had data showing that Dogs A, B, and C cost the company significantly more in claims than other dogs. I don't like it, but it obviously didn't bother me enough that I took my business elsewhere.
It does bother me because I don't know what breeds I might have down the line. I also think that if they have a breed ban then at any time they can add more breeds and German Shepherds are right there with Rotts, pit bulls, etc. All State had labs on the list in Illinois, that is a pretty common breed. I don't want to deal with anyone that has a list.
07-07-2014 02:51 PM
WateryTart
Quote:
Originally Posted by lalachka View Post
Not attacking you. It didn't bother you because your breed is not on the list so you're not affected. Later on, if your breed IS on the list people with other breeds will say the same thing. We only care when it has to do with us.
I don't think you're attacking!

It's true that people in general care more when we're directly affected. But at the risk of sounding like I doth protest too much: I really wouldn't have been up in arms if the GSD had been on "the list" for one company. I knew another would be fine, and given how far in we were at that point, it would have been a simple matter of asking my husband what needed to happen to switch companies and taking that on as a household action item.

I tend to be pretty matter of fact about this stuff; I'm a data person myself, so I get it.
07-07-2014 02:47 PM
lalachka Not attacking you. It didn't bother you because your breed is not on the list so you're not affected. Later on, if your breed IS on the list people with other breeds will say the same thing. We only care when it has to do with us.
07-07-2014 02:38 PM
WateryTart
Quote:
Originally Posted by SoCal Rebell View Post
Here in California I've had the same home for 18 years and 3 different GSDs, I use Allstate when I bought the place I told them I had a GSD and they said GSDs were OK but Pitbulls and Rottweilers they wouldn't cover.
My insurance company nixes Rotts, pits and pit mixes, Akitas, Chows, and wolf hybrids. I think that's it.

Related question, do breed restrictions by insurance companies bother anyone? I have friends who are pit fans who hate that insurance companies can do this; I am less bothered because I figure some team of actuaries somewhere had data showing that Dogs A, B, and C cost the company significantly more in claims than other dogs. I don't like it, but it obviously didn't bother me enough that I took my business elsewhere.
07-07-2014 12:06 PM
wolfstraum I know Nationwide instituted a policy of covering "banned" type breeds if they had a CGC....

I have Erie, they give you one "free" claim on ANY BREED of dog - if the dog has a second claim - no insurance unless dog is gone....a friend who is a vet has had to euthanize dogs due to insurance claims as well in PA....

The only thing Erie ever spooked at is when I was walking a young tiger on a leash and she pushed a roll of fencing into my brand new car and caved in the door.....they did question me on that one!!! Paid the claim as it was not "my" tiger at "my house"....they would not have covered my home if I did have a tiger....

Lee
07-07-2014 11:17 AM
LARHAGE I too have Allstate and they have no problem with my German Shepherds.
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