Homeowners insurance with big 'high risk' dogs...

OneSickPsycho · 09-20-2010, 11:14 AM

Adding Taco to our household brings up a potentially significant issue with my homeowners insurance. Taco may, or may not be, a mix of one or more restricted breeds with my homeowners insurance which could force me into switching.

Just wondering who everyone here with big dogs use...

I have a number of limitations beyond the dog working against me... 1) I live in FL... so that means that some of the bigger dog friendly carriers (ie. State Farm and Farmers) don't even do business here... 2) my roof is 10+ years old (actually 13+) and despite it's good condition, that's a deal breaker with most carriers... 3) now we got this, soon to be mammoth, animal.

Suggestions?

OneSickPsycho · 09-20-2010, 11:16 AM

Spare the "call around" responses, I've already submitted quote requests to various places online, including a couple sites that submit to several carriers at once. Just trying to make sure I cover all my bases.

Mudpuppy · 09-20-2010, 11:19 AM

don't offer up what kind of dog you think he may or may not be.. i have a "restricted" dog but the vet classified him otherwise so i am good.. also he was on the banned list at the kennel i took him to but i just gave them the classification from the vet on his rabies vaccination paperwork and they took him no problem and there was no issue.. now if i called and said well he is a banned breed but i think he will be ok they would have told me to fuck off.. also i think in my city if you have a "vicious" dog you have to register them that way or something - vicious being defined as the type of breed just like restricted.. i don't have to do that either.. sometimes ignorance (or pretending to be ignorant) is the best way to approach it..

somewhere i saw where you can get like a dna test done and it will tell you exact breed(s) of the dog but i don't remember where i saw it.. i'm sure you can google it.. but i recommend taking him to the vet and saying he is a "lab mix" as far as you know.. because really as far as you know he could be a lab mix.. and lab mix covers a lot of ground and is not restricted, etc.

askmrjesus · 09-20-2010, 11:28 AM

Quote:

Originally Posted by OneSickPsycho

Suggestions?

Keep your mouth shut.

Dog? What dog?

JC

OneSickPsycho · 09-20-2010, 11:35 AM

That makes me think of Fight Club....

"Of course it's company policy never to, imply ownership in the event of a dog... always use the indefinite article a dog, never your dog."

z06boy · 09-20-2010, 11:35 AM

Quote:

Originally Posted by askmrjesus

Keep your mouth shut.

Dog? What dog?

JC

True and if it comes up later..."lab mix" sounds good as MP suggested.

shmike · 09-20-2010, 11:36 AM

Who are you with now?

Besides Citizens, I don't even know of any companies offering new policies with reasonable rates.

Rangerscott · 09-20-2010, 11:38 AM

You register your dog with home insurance?

VatorMan · 09-20-2010, 11:39 AM

If you let a homeless chick stay with you-she'd still be homeless right ? It's not like you'd put her name on the lease.

Damn dog just showed up and I set out some food. It's not my dog.

OneSickPsycho · 09-20-2010, 11:40 AM

Quote:

Originally Posted by shmike

Who are you with now?

Besides Citizens, I don't even know of any companies offering new policies with reasonable rates.

St. John's Insurance...

Quote:

Originally Posted by Rangerscott

You register your dog with home insurance?

Simply thought it was the thing to do... I guess that answers that question.

Quote:

Originally Posted by VatorMan

If you let a homeless chick stay with you-she'd still be homeless right ? It's not like you'd put her name on the lease.

Damn dog just showed up and I set out some food. It's not my dog.

LoL... I'd LOVE to have that conversation.

09-20-2010, 11:14 AM	#1
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	Homeowners insurance with big 'high risk' dogs... Adding Taco to our household brings up a potentially significant issue with my homeowners insurance. Taco may, or may not be, a mix of one or more restricted breeds with my homeowners insurance which could force me into switching. Just wondering who everyone here with big dogs use... I have a number of limitations beyond the dog working against me... 1) I live in FL... so that means that some of the bigger dog friendly carriers (ie. State Farm and Farmers) don't even do business here... 2) my roof is 10+ years old (actually 13+) and despite it's good condition, that's a deal breaker with most carriers... 3) now we got this, soon to be mammoth, animal. Suggestions?

09-20-2010, 11:19 AM	#3
Mudpuppy South of Heaven Join Date: Mar 2008 Location: Michigan Moto: 2006 Yamaha R1 50th Anniversary Edition Posts: 1,491	don't offer up what kind of dog you think he may or may not be.. i have a "restricted" dog but the vet classified him otherwise so i am good.. also he was on the banned list at the kennel i took him to but i just gave them the classification from the vet on his rabies vaccination paperwork and they took him no problem and there was no issue.. now if i called and said well he is a banned breed but i think he will be ok they would have told me to fuck off.. also i think in my city if you have a "vicious" dog you have to register them that way or something - vicious being defined as the type of breed just like restricted.. i don't have to do that either.. sometimes ignorance (or pretending to be ignorant) is the best way to approach it.. somewhere i saw where you can get like a dna test done and it will tell you exact breed(s) of the dog but i don't remember where i saw it.. i'm sure you can google it.. but i recommend taking him to the vet and saying he is a "lab mix" as far as you know.. because really as far as you know he could be a lab mix.. and lab mix covers a lot of ground and is not restricted, etc. __________________ Mudpuppy Redline Superbike http://www.redlinesuperbike.com/ Learn about photography: ATP Members

09-20-2010, 11:36 AM	#7
shmike Follower Join Date: Nov 2008 Posts: 5,549	Who are you with now? Besides Citizens, I don't even know of any companies offering new policies with reasonable rates. __________________ Racing For Smiles

09-20-2010, 11:16 AM	#2
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	Spare the "call around" responses, I've already submitted quote requests to various places online, including a couple sites that submit to several carriers at once. Just trying to make sure I cover all my bases.

09-20-2010, 11:35 AM	#5
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	That makes me think of Fight Club.... "Of course it's company policy never to, imply ownership in the event of a dog... always use the indefinite article a dog, never your dog."

09-20-2010, 11:38 AM	#8
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	You register your dog with home insurance?

09-20-2010, 11:39 AM	#9
VatorMan Wrap Yo Ass in Fiberglass Join Date: Feb 2008 Moto: Feet Posts: 1,605	If you let a homeless chick stay with you-she'd still be homeless right ? It's not like you'd put her name on the lease. Damn dog just showed up and I set out some food. It's not my dog.