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 Anyone been denied Homeowners due to dog breed?
Johnnyutah  [Member]
7/18/2011 8:16:02 PM
We are getting ready to move so that means a few cordial call with the insurance lady, her talking to me like shes trying to be my friend, asking about the kids, what i do for fun, what we plan on doing with the property, WHAT KIND OF DOGS I HAVE.

I've heard horror stories of people being denied homeowners last minute due to the breed of dogs they own. Anyone experienced this? Have any reccomendations on companies to avoid or to gravitate towards?
1903pa  [Team Member]
7/18/2011 9:48:22 PM
Erie insurance does it. I had an auto policy with them years ago but the wife had a Rottwieler, so they wouldn't write us a home owners policy. So I got a different wife and dog and now they wrote me a policy. Erie has the best rates I could find too, and the new wife is prettier, cheaper to keep and likes to shoot and fish as well. It was a win-win all the way around.
aa777888-2  [Member]
7/18/2011 9:49:29 PM
What dog? What guns?
Johnnyutah  [Member]
7/18/2011 10:14:06 PM
I may or may not own a GSD depending on who asks. Erie is my current insurer and are unaware of my current canines.
racer2888  [Member]
7/18/2011 10:28:26 PM
state farm doesn't have a breed ban
aaa does
amerprise does
try an independent agent for insurance that's what I did I have 2 rotties and a gsd
Firebird69  [Team Member]
7/19/2011 12:04:10 AM
Never give them or anyone your personal info. Insurance co's, doctors, neighbors NOBODY. Just say no thank you and be silent.
Grizz272  [Team Member]
7/19/2011 4:09:42 PM
Electric Insurance does not like dogs of any kind. Talked to them. The conversation went, do you have any dogs. We don't insure that kind they are to mean (I did not give her a breed yet.) Is your yard fenced in, if not it has to be also the dog needs to be chained in the yard. My response was you guys really do not like dogs do you. Oh I love dogs she says. I hung up at that point.
abnk  [Team Member]
7/20/2011 6:40:30 AM
I had Eire. Switched to Geico who offers homeowners through Travellers. No problems with GSD.
ARinKCMO  [Team Member]
7/20/2011 7:25:57 AM
I was renting a house, and they flipped out when I called asking if I could add a Pet to my lease. I was looking at a german Shepherd, and they said their insurance would drop them in a heartbeat, and they would evict me. They also said basically any large breed would be like that. I figured they were giving me the runaround and just didn't want dogs there. I bought a house a couple months later and wound up with a Labrador.

My homeowners has never asked me about dogs or guns....
ShamusMcOI  [Team Member]
7/20/2011 8:00:13 AM
both my dogs are mutts.
DavidC  [Team Member]
7/20/2011 8:10:15 AM
A few years back our home owner's (Liberty Mutual) sent us a letter outlining what breeds would not be covered under our HO policy. It wasn't that they wouldn't write it; it was just that they wouldn't assume liability. The list included breeds such as the various pits, cane corso, dogo argentina, akita, and a few others with bad reps. They did cover our giants (Great Pyrenees).

Fast forward a year or two and PA changed the rules, making it unlawful for insurance companies to not provide HO coverage due to dog breed, so the point became moot.
Kab4485  [Team Member]
7/20/2011 8:15:13 AM
...as soon as i say i have a doberman they all seem to pretty much hang up on me. So i just forget to mention him

the only ones that i found who didn't say anything is usaa, but they never really asked what breed they just asked if i had a dog
GunFriday  [Team Member]
7/20/2011 9:11:51 AM
I was just shopping around for home / auto yesterday and the guy asked me if I had any pets. When I replied I had a little bird, he said, "okay, so you don't have a pit bull or anything like that?" Never knew this was an issue. I guess I've been with the same provider for so many years. I've never been asked that before and didn't know why the guy asked.
CaymanSman  [Member]
7/20/2011 10:04:48 PM
Wasn't denied, was cancelled ...Allstate IIRC.
Schlange  [Team Member]
7/20/2011 10:19:33 PM

Originally Posted By DavidC:
A few years back our home owner's (Liberty Mutual) sent us a letter outlining what breeds would not be covered under our HO policy. It wasn't that they wouldn't write it; it was just that they wouldn't assume liability. The list included breeds such as the various pits, cane corso, dogo argentina, akita, and a few others with bad reps. They did cover our giants (Great Pyrenees).

Fast forward a year or two and PA changed the rules, making it unlawful for insurance companies to not provide HO coverage due to dog breed, so the point became moot.

Nice to know.
dbrowne1  [Team Member]
7/21/2011 1:39:32 PM
Originally Posted By Kab4485:
...as soon as i say i have a doberman they all seem to pretty much hang up on me. So i just forget to mention him

the only ones that i found who didn't say anything is usaa, but they never really asked what breed they just asked if i had a dog


USAA will ask you if you have any dogs, and will ask if any of your dogs have any history of biting or attacking people. If the dog has no prior bite history (meaning something that involved animal control, a lawsuit, or some other paper trail) then they will insure you. They don't care about breeds.
nsw8148  [Team Member]
7/21/2011 9:54:17 PM
Its been said, but USAA just goes by bite history of your dog, not its breed.


I love USAA
Blackbird_Pilot  [Team Member]
7/22/2011 11:56:20 AM
I had my truck, boat and bike insured thru OK Farm Bureau. Then I got married and we purchased a home. The wife being the frugal one shopped around and found another company that was cheaper and moved our policies. At that point we had homeowners, 2 new cars, a boat and a motorcycle insured thru them. When I purchased a new bike (CBR1100XX - Blackbird) the company said they would not insure that bike at all and I would have to get coverage for it elsewhere. We immediately moved all of our policies back to OKFB. Insurance companies piss me off. They were more than happy to rake in the premiums for our low risk stuff but toss a bit of risk at them and noooo thank you. So they get nothing. OKFB has been fantastic. I'm sure they aren't the cheapest but just like anything else the cheapest isn't always the best. There is no way I would give an insurance company who wouldn't insure my home because of my dog a single penny for any other policies either even if they were cheaper.
DoberDude  [Team Member]
7/22/2011 1:33:28 PM
Don't ask, don't tell.
turbowarp  [Team Member]
7/23/2011 3:23:45 PM
Just tell them what breed dog you have, if they ask. If they don't ask, no problem.

If your dog breed is on the list, pay for a rider. I'll bet it is only an extra few bucks. If your insurance company flat out doesn't cover your dog breed, their are plenty of insurance companies that do.

If you dog breed is on their list and your dog bites someone, without the dog breed rider they could refuse to cover your butt.
hogin  [Member]
8/25/2011 1:46:07 AM
Not denied, DROPPED! My homeowners dropped me like a bad habit after filing a 'dog bite' claim. Didnt matter that the water pump repairman struck the dog with a broom handle when she approached the pump house. The dog and owner were at fault for her protecting herself. Needless to say, claim was filed and paid, dog was put down, and dog / homeowner was dropped at renewal time. Not a problem, went to another company for better coverage, and a never drop clause.
drillerdave  [Team Member]
8/27/2011 4:11:30 AM
My last residence, a townhouse which we lived in for 9 year, requested that we either move or put up another pet deposit when they found out we got a mal......we moved quickly and still have the dog.
NPH_1985  [Team Member]
8/27/2011 4:44:31 PM
USAA just asked if it was an animal that has ever bitten anyone. He's 8 weeks old and is still in the puppy play biting stage.
philspel  [Team Member]
8/27/2011 4:54:48 PM
State Farm just asked if I had dogs. I said yes, and she ask if any were attack or guard dog trained. I said no, but tell the agent going out to take pictures of the house not to go into the backyard without me there. She said ok, and that was that.

<======= Professionally trained tail chaser.
backstrap  [Member]
8/28/2011 12:49:46 AM
Mercury asked me. Said they wouldn't write a homeowner policy for people with Pit Bulls and Rotts.
German Shepherds weren't a problem, I asked the "hypothetical question."

I find it ironic..the two dogs that bit me over the years were an Irish Setter (21 stitches) and a Black Lab. But, those dogs they don't have a problem with.
Their rules, I guess. Liability and all that.

Good luck.
BatchelorGroda  [Member]
9/4/2011 12:22:57 AM
My home insurance company wanted me to fill out a form and send it back to them concerning dog breed.

She flat-out said that Pits and Rotts were put under heavier scrutiny....but she never said it was a game-killer.

The form that I sent back was my signature, so that if I had lied about the dogs and an issue arose, they could just eject my policy for lying.

ger42  [Team Member]
9/4/2011 9:38:12 PM
The insurance company I had 2 years ago (forgot name) would not renew because I had dogs. They didn't care about the breed. When I was looking the agent had said many companies down here in South Florida would not take on any homes with dogs of any breed some would not take you if you had GS, doberman, pit bull and a few other breeds they labeled aggressive .
stump52  [Member]
9/11/2011 2:59:11 AM
Weird about the guy that said Allstate dropped him. I actually called my Allstate agent and asked about it (yeah, I'm a dumbass/first time home-owner, didn't know if they'd freak out if I hid it from them ) after I got my pup (got an 8-week old Siberian Husky last September...we need to hook electrodes to her, boom no more need for foreign oil haha). He said that he particularly doesn't care about breed (my agent loves pit bulls, and understands that the upbringing of the dog is what will determine its temperament), but he's only allowed to cover liability for one bite claim; after that, I'm on my own unless I purchase a rider (interestingly he did say huskies are on their list of "potentially vicious breeds", so it kinda sounded like he has the option to drop someone if they have a dog on that list, but he doesn't exercise it, either that or he's cutting me a break since we both went to the same college ).

I use parentheses too damned much.
BuffLuver  [Team Member]
9/12/2011 9:28:38 AM
Originally Posted By CaymanSman:
Wasn't denied, was cancelled ...Allstate IIRC.


We got our homeowners 5 years before we got our first Rottie, ours is with Allstate. What they don't know won't hurt them.
dbrowne1  [Team Member]
9/13/2011 1:41:01 PM
Originally Posted By BuffLuver:
Originally Posted By CaymanSman:
Wasn't denied, was cancelled ...Allstate IIRC.


We got our homeowners 5 years before we got our first Rottie, ours is with Allstate. What they don't know won't hurt them.


No, it'll just hurt you when your dog gets you sued and Allstate won't cover you or pay for your defense.

Allsnake is a shitty carrier anyway.
dbrowne1  [Team Member]
9/13/2011 1:42:10 PM
Originally Posted By ger42:
The insurance company I had 2 years ago (forgot name) would not renew because I had dogs. They didn't care about the breed. When I was looking the agent had said many companies down here in South Florida would not take on any homes with dogs of any breed some would not take you if you had GS, doberman, pit bull and a few other breeds they labeled aggressive .


I see the "I was/am in the military" tank below your username.

Get USAA and don't look back.
wickedmean  [Member]
9/13/2011 9:51:22 PM
Allstate canceled my parents when they moved. They had a chow-mix.
angryguns  [Team Member]
9/13/2011 11:24:35 PM
Add Geico to the list on breed restriction......
FJ_Wheeler  [Team Member]
9/19/2011 11:11:39 AM
All my dogs are a mixed breed. Seems like a simple enough way around a situation.
abnk  [Team Member]
9/19/2011 11:38:00 AM
Originally Posted By angryguns:
Add Geico to the list on breed restriction......


Geico does not provide home insurance. Please elaborate. Who is the insurance company and what breeds do they not accept?
PrivateContactor  [Member]
9/21/2011 2:05:42 AM
I have had numerous experiences with my local insurance agent regarding my dogs. They went from discriminating against the breed, to saying "any dog over 40 lbs". Being that they are local and it is a small town they also drove by to make sure I had gotten rid of my dog at one point. Granted I had Fila Brasileiro, (aka Brazilian Mastiff) which are known for their aggression, to the point of being banned in some countries, and unjustly so. I guess there are just enough irresponsible owners out there to give them an excuse to deny the majority of people who are responsible and knowledgeable as a whole about the breed that they keep. But going to the extreme of saying "No dog over 40 lbs" is a little too much. Even though I used my dog at work while I had him was not an excuse, and they would not budge on the subject, so it was a choice between my home of 20+ years, or my dog. Good luck with your endeavors!!

-Private Contractor-
sleepdr  [Team Member]
9/23/2011 12:17:53 PM
I checked with State Farm before getting the boxer. The agent wasn't aware of any dog restrictions.

Posted Via AR15.Com Mobile
LesBaer45  [Member]
10/1/2011 12:49:17 PM
Originally Posted By Johnnyutah:
We are getting ready to move so that means a few cordial call with the insurance lady, her talking to me like shes trying to be my friend, asking about the kids, what i do for fun, what we plan on doing with the property, WHAT KIND OF DOGS I HAVE.

I've heard horror stories of people being denied homeowners last minute due to the breed of dogs they own. Anyone experienced this? Have any reccomendations on companies to avoid or to gravitate towards?


Nationwide gave us fits because we had chows.

We switched to state farm.
Mach  [Team Member]
10/1/2011 1:03:53 PM
it is none of their fucking business what dog you have. Just lie.

oh yea, one more thing....only be friendly with your....friends.

I don't answer personal questions from anybody....ever.
VLODPG  [Team Member]
10/1/2011 1:21:56 PM
My parents insurance company saw the beware of dog sign 1/4 way up the driveway & asked about the dog.

We had a German Shepard that was just put down & had not gotten another at that point.

The agent said we had to remove the sign or they wouldn't write the new policy

But we told them we no longer have a dog. "It doesn't matter, You can't have the sign"

angus6  [Team Member]
10/3/2011 10:45:48 PM
Originally Posted By VLODPG:
My parents insurance company saw the beware of dog sign 1/4 way up the driveway & asked about the dog.

We had a German Shepard that was just put down & had not gotten another at that point.

The agent said we had to remove the sign or they wouldn't write the new policy

But we told them we no longer have a dog. "It doesn't matter, You can't have the sign"



Thought everyone know that the sign was a no no
nsw8148  [Team Member]
10/3/2011 10:48:24 PM

Originally Posted By angus6:
Originally Posted By VLODPG:
My parents insurance company saw the beware of dog sign 1/4 way up the driveway & asked about the dog.

We had a German Shepard that was just put down & had not gotten another at that point.

The agent said we had to remove the sign or they wouldn't write the new policy

But we told them we no longer have a dog. "It doesn't matter, You can't have the sign"



Thought everyone know that the sign was a no no

Wait what?
angus6  [Team Member]
10/3/2011 10:49:04 PM
Originally Posted By PrivateContactor:
I have had numerous experiences with my local insurance agent regarding my dogs. They went from discriminating against the breed, to saying "any dog over 40 lbs". Being that they are local and it is a small town they also drove by to make sure I had gotten rid of my dog at one point. Granted I had Fila Brasileiro, (aka Brazilian Mastiff) which are known for their aggression, to the point of being banned in some countries, and unjustly so. I guess there are just enough irresponsible owners out there to give them an excuse to deny the majority of people who are responsible and knowledgeable as a whole about the breed that they keep. But going to the extreme of saying "No dog over 40 lbs" is a little too much. Even though I used my dog at work while I had him was not an excuse, and they would not budge on the subject, so it was a choice between my home of 20+ years, or my dog. Good luck with your endeavors!!

-Private Contractor-


no question at all, would have a new agent/company asap..
angus6  [Team Member]
10/3/2011 10:57:12 PM
Originally Posted By nsw8148:

Originally Posted By angus6:
Originally Posted By VLODPG:
My parents insurance company saw the beware of dog sign 1/4 way up the driveway & asked about the dog.

We had a German Shepard that was just put down & had not gotten another at that point.

The agent said we had to remove the sign or they wouldn't write the new policy

But we told them we no longer have a dog. "It doesn't matter, You can't have the sign"



Thought everyone know that the sign was a no no

Wait what?


your admitting to a liability ei: dangerous dog
better to have

"Trespassers will be shot.
Survivors will be shot again!"
or
"Is there life after death?
Trespass here will find out."
kristi0402  [Member]
10/14/2011 9:44:13 AM
Being a property manager in Clemson SC we can not rent to anyone who has the following dogs:
Pitt Bull
Rottweiler
German Sheppard
Huskies
Alaskan Malamutes
Doberman Pincher
Chow
Presa Canario
Boxer
Dalmation.
Although, I don't agree with this policy reason being not all dogs of these breeds are mean. But what do you do?
packingXDs  [Team Member]
10/14/2011 9:52:05 AM

Originally Posted By kristi0402:
Being a property manager in Clemson SC we can not rent to anyone who has the following dogs:
Pitt Bull
Rottweiler
German Sheppard
Huskies
Alaskan Malamutes
Doberman Pincher
Chow
Presa Canario
Boxer
Dalmation.
Although, I don't agree with this policy reason being not all dogs of these breeds are mean. But what do you do?

I lie. I have a one mutt that is 50lbs and one mutt that is 25lbs. That is about as much as I tell anyone.
dbrowne1  [Team Member]
10/16/2011 3:58:31 PM
Originally Posted By kristi0402:
Being a property manager in Clemson SC we can not rent to anyone who has the following dogs:
Pitt Bull
Rottweiler
German Sheppard
Huskies
Alaskan Malamutes
Doberman Pincher
Chow
Presa Canario
Boxer
Dalmation.
Although, I don't agree with this policy reason being not all dogs of these breeds are mean. But what do you do?


What you do is you get an Ovcharka or a Leonberger or some other enormous, powerful dog that's rare and thus not on the "list," but could kick the snot out of any of those that are on the list.

Then when the property manager sees it, you give him one of these and say, "what ... it's not on the LIST, is it?"
angryguns  [Team Member]
10/27/2011 9:00:31 PM
Originally Posted By angryguns:
Add Geico to the list on breed restriction......


I just switched to Farm Bureau.....
turbowarp  [Team Member]
10/30/2011 10:25:09 AM
Insurance companies are sneaky... they have squads of inspectors that do drive-bys.

These inspectors look for worn/damaged roof coverings, business operations on residential premises, evidence of renters, swimming pools, trampolines, sidewalk hazards, tree health, renovations/additions, dogs, just to name a few things they look for.
DoberDude  [Team Member]
11/1/2011 2:46:49 AM

Originally Posted By kristi0402:
Being a property manager in Clemson SC we can not rent to anyone who has the following dogs:
Pitt Bull
Rottweiler
German Sheppard
Huskies
Alaskan Malamutes
Doberman Pincher
Chow
Presa Canario
Boxer
Dalmation.
Although, I don't agree with this policy reason being not all dogs of these breeds are mean. But what do you do?

Well for starters, you can resist the urge to being attracted to bright colors and men in tights.

Just sayin'....
abnk  [Team Member]
11/1/2011 11:04:41 AM
Originally Posted By kristi0402:
Being a property manager in Clemson SC we can not rent to anyone who has the following dogs:
Pitt Bull
Rottweiler
German Sheppard
Huskies
Alaskan Malamutes
Doberman Pincher
Chow
Presa Canario
Boxer
Dalmation.
Although, I don't agree with this policy reason being not all dogs of these breeds are mean. But what do you do?


Unless you can change the policy or appeal it with upper management, your job is to follow the policy in place.