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Discussion Starter · #1 ·
Hi. Just curious as to what home insurance everyone has here with GSDs in the house?

Reason for asking is that I was talking to my insurance agent about shopping around for cheaper options. He told me that I'm grandfathered into a plan with some company whose name I don't recall and they didn't have any aggressive breed exclusion originally. Now that company and all others that he sells do not write policies if you have agressive breed dog.

Now that maybe just the companies he deals with. He doesn't sell policies for mainstream agencies like State Farm, Farmers, Nationwide.

GSD is a common breed and I'm sure there should be alot of insurance companies that don't discriminate.

I need to start looking into those.

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I am with Progressive and whoever they have for homeowner's currently as the bundle (they changed underwriting on us about 5 months ago). Anything a canine in the home does is exempted from coverage. Not sure I like this provision even if I am diligent in making sure my dog has no opportunity for an encounter. They had never asked prior if there were dogs in the home, nor what kind. Its all in hubby's name and he has declined to shop it around.
 

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I just checked with mine last week--Allstate. No breed restrictions.
 

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Liberty Mutual generally doesn't have breed restrictions as long as no bite history. Allstate and State Farm vary by state as to whether they do.


USAA also doesn't have breed restrictions but you need some military connection to be eligible...but that could be a father or even grandfather who served in WWII, Korea or Vietnam! They're fabulous, so it's worth asking a family member who served to dig out paperwork for you.

@Hellish, you can get a canine liability policy for about $300-ish per year. I've got a friend who had to do that. It's not ideal, but it's better than not being covered!
 

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Discussion Starter · #5 ·
So I just checked and my current insurance is through National General. I called Geico and their providers don't have any dog exclusions. They gave me a quote with SageSure

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We are also with Progressive and the underwriter just changed. We just received notice on the house we're selling that the policy will be cancelled 05-01-19 due to the German Shepherds. Our closing is planned before then but this was out of the blue.
 

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Discussion Starter · #7 ·
We are also with Progressive and the underwriter just changed. We just received notice on the house we're selling that the policy will be cancelled 05-01-19 due to the German Shepherds. Our closing is planned before then but this was out of the blue.
That is crazy especially on an existing policy. You would think they would grandfather you in.

This just doesn't make sense. These insurance companies should worry more about stupid aggressive people and not dogs

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There have been several threads about home owners insurance in the past. Info is often conflicting. Some will say insurance company ABC doesn't have breed restrictions and others will say they do. The truth is it is not only the insurance company but the state you live in that matters. Every state has different regulations. So say State Farm doesn't have breed restrictions in Massachusetts but they do in Arizona for example. The best and only way to find out is to call/inquire to insurance agencies in you area.
Personal experience: People on this forum have stated that Nationwide/State Farm do not have breed restrictions. I know for a fact they do in the state I live in as I inquired anonymously and was told they do not cover aggressive breeds outright. The only option would be to have a liability rider policy to cover an aggressive dog breed at an exorbitant price.
Do your homework when it comes to liability insurance. The only reliable source is the insurance companies in your location.
 

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I heard that Money Expert home insurance gives juch options. This is very expensive. After all, you insure the house for a long time, not for one month, and I didn't want to pay thousands of pounds every time. I was looking for other offers. I needed something cheaper, since I have two houses. I found this solution. This service offers home insurance at a very low price, for just £ 150 and with everything included. I agreed and didn't regret it. For the amount I spent on one house, I insured both houses. I am very happy with my find. Even advised a friend. I think you should also look into this issue.
 

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Bear in mind that I'm in Canada, but I have never ever been asked if I have a dog or what breed for home insurance. Maybe they would if you had a bite incident but I've never heard of it
 

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Not that it is a good thing not to have coverage. In most cases no homeowner insurance on a dog means you would have to be actually sued for them to collect. Odds of that happening are slim. Lawyers look for easy prey by sending legal letters to insurance companies. Quick payout and a split with the client. Once a lawyer figures out you have no coverage he will ask his client to give them a 10k retainer. They run away at that point.
 

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Bear in mind that I'm in Canada, but I have never ever been asked if I have a dog or what breed for home insurance. Maybe they would if you had a bite incident but I've never heard of it
Fellow Canadian, and same experience. I'm not sure why that would be.
 

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Discussion Starter · #14 ·
Bear in mind that I'm in Canada, but I have never ever been asked if I have a dog or what breed for home insurance. Maybe they would if you had a bite incident but I've never heard of it
Maybe it's different in Canada but it's a common question from home insurance agents in the US. They ask if you own dogs and what breed. Probably because insurance would cover a dog bite to someone if they are on your property. So some don't even want to insure certain breeds for that reason, some make you sign exclusions, etc.

I have never had any incidents but was asked that question by my agent.

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