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

[Particle Man]

Originally Posted by Bonesaw

I was thinking the same thing... what does your dog have anything to do with your homeowners insurance?

Some policies have a "large or viscious dog" clause that could end up getting your insurance dropped. If a dog bites someone or even ends up running out into the road and causes a MVA the injured party (I mean "injured" as either physical or property damage or both) can file a claim against your homeowners insurance - sometimes for an insane amount of money. You could find yourself holding the liability for a crazy amount of money.

Everyone tends to think in terms of dog bites and stuff but it isn't that simple. Say your dog takes off after a squirrel (because squirels are almost as evil as cats) and darts into the road where a passing motorcyclist hits the dog and wrecks his/her bike and gets injured... That's a piss poor time to have that "dog" clause rear it's ugly head. The dog was just being a dog and you're suddenly in debt for the rest of your life.

And I can't spell "viscious" to save my freakin' life

[Rangerscott]

Do you think hes going to tear up your house? If so then 1. Dont get him. 2. Dont register him and pay out of pocket instead of making claim after claim.

[shmike]

I can't believe that you guys don't understand why the insurance companies would care about a dog.

A dog is a liability claim waiting to happen.

Pets in the home was a question on the application when I got my policy.

[VatorMan]

That's why you should just play hippy. Everything is free to come and go.

[Rangerscott]

Its called a trained dog or one that was never crazy since he/she was born. Luckily my dog has never been like a small child. He also never barks. I fuckin hate barking dogs.

[shmike]

Originally Posted by Rangerscott

Its called a trained dog or one that was never crazy since he/she was born. Luckily my dog has never been like a small child. He also never barks. I fuckin hate barking dogs.

There's your answer OSP.

Just check the box next to: "A trained dog or one that was never crazy since he/she was born, never been like a small child, also never barks."

[Rangerscott]

Originally Posted by shmike

There's your answer OSP.

Just check the box next to: "A trained dog or one that was never crazy since he/she was born, never been like a small child, also never barks."

Damn straight. But seriously, is it for property damage or if he attacks someone or someones animal?

My dog is a mutt. He'd hurt himself before anything else. The sad is he loves to meet other dogs but most of them do that "top" dog shit and he doesnt do any of that.

[z06boy]

It's mainly about the dog biting someone. StateFarm told me that with them...they will allow one bite. Of course that wasn't actually written down anywhere.

[Rangerscott]

Put a sign on the dogs back that says, "I ..... ...... & dog do not take responability of dogs actions."

[goof2]

Originally Posted by Rangerscott

Put a sign on the dogs back that says, "I ..... ...... & dog do not take responability of dogs actions."

Good luck with that. A kid could be shoving a stick up the dog's ass, but if the dog maims or kills the kid as a result you and your homeowners carrier could be facing a million dollar plus lawsuit.