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PitBull/Rotties....HO insurance??

post #1 of 11
Thread Starter 
Does anyone know what insurance companies do if you have a doberman, rottie, pitbull....I forget the others they asked about??

I don't have a problem with any of these, but I never intended to have one myself. I did love and play with a mama pitbull & her pups - of a family I babysat for as a teen. And my employer as a teen - a vet - had a doberman I was fond of.

So now we have a farm...and keep acumulating animal LOL! They always ask the number of horses/cows we have & dogs. But it keeps changing! I don't call to notify; they said it makes no difference in policy - they just want to know.

So we had a claim, and the adjuster came, and went through a check list of questions. Inground pools with no fence? Any doberman, rottie, pitbull....? I said no. He saw the hyper dogs on the pool deck and the puppies in the house. Our "big dog" was in a bedroom. I don't know what his parents were, but could be called 'bullish'?

When I got him, I didn't think of him as any sort of pit bull until we had him for quite a while. I wanted a grown, large dog, raised with children, and a well trained, very included member of the family. I really needed something that would make people think twice about nosing around here - but not something I have to worry about harming legit visitors. (though he does scare them if not warned about him) Hubby says he's exactly what I wanted.

When I met him, he was described to me as a Big loving family dog. That is what I saw him as. He actually looks boxerish to me at times. Body is much larger, taller,thicker than a pit or boxer. Regardless, most people would take one look and say stafordshire/pitbull.

What would happen if they said 'You have a pitbull'? Do they charge extra or drop you?

On another note, I have a 3 mth old puppy, golden color with white tip paws & tail. Everyone says beautiful lab! With the prettiest, cutest face ever....I saw her parents. They are big hound/walker coon dog looking mutts. The mom black and tan, the dad mostly yellowish tan. ....So looks don't tell the whole story!
post #2 of 11
No, I don't think they would drop you. They might give you a higher fee to pay, though. Maybe. It really depends on their policies. Growing up, we had, over the years, Dobermans, pits, and GSD's, and insurance was never a problem to get.
post #3 of 11
When my inlaws owned their own mechanic shop a few years ago, they had a very sweet GSD. When their ins found out what kind she was, they told them to either get rid of the dog, or they would drop them for ins. My inlaws of course found another ins. company but the ins company can drop you for your dogs.

When we bought our new house 5 months ago, I was told by one ins company that they didn't care what kind of dogs we had, we just weren't allowed more then 3, we have 4. All the others just asked what kind they were. I left out the fact that we have a Great Dane and my other 3 are mixes so I gave them the less aggressive of the 2 breeds.
post #4 of 11
Quote:
Originally Posted by Sailor View Post
No, I don't think they would drop you. They might give you a higher fee to pay, though. Maybe.
Some can and will drop you, some don't, some charge more. Depends on the company.There are many that are "dangerous breed" friendly that a simple google will come up with.
post #5 of 11
State Farm insures homes with pitties, no problem. Some other companies, not so much.
post #6 of 11
Thread Starter 
I would be really afraid for them to find out. Not many choices in insurance companies for us...we have a commercial chicken farm...we have to have very specific insurace on the farm, structures, equipment, ect. We have ANPAC...The only other company i can use is Farm Bureau, and they don't cover income loss on a claim like I have now. I have no idea what their stance is for either. So what happens if they think your dog is a pit, but you claim he's an american bulldog/boxer mix? I was looking at those sites with a lot of pics of non-pit dogs that get mistaken.
post #7 of 11
Quote:
Originally Posted by 5gifts View Post
they said it makes no difference in policy - they just want to know.
That doesn't sound like they're telling you the whole truth. Insurance companies don't make you answer questions just for the hell of it. There's always a purpose to it. They're definitely not just asking to make conversation or "just wanting to know". Sounds very fishy to me.
post #8 of 11
Quote:
Originally Posted by sonicfrost View Post
That doesn't sound like they're telling you the whole truth. Insurance companies don't make you answer questions just for the hell of it. There's always a purpose to it. They're definitely not just asking to make conversation or "just wanting to know". Sounds very fishy to me.
Exactly, even if it's just for a reason to not cover should something happen. Someone fell and hurt themselves? Well it was because of fear of the animal!!

There's going to be a reason in there.
post #9 of 11
it never occured to me my insurance company would want to know about my dog...Sheis GSD mix but is the runt of the litter so unless you see mama and the litter mates GSD would not be your first choice. or even second or third. ironically everyone sat rottie....my long, sleek wispy 40 pound dog with soft medium length hair

the reason they may just want to know the number is because it sounds like you have a lot of livestock assest. covering your assests starts with knowing what they are. if theywant to know how many horses and cows you have it would make equal sense that they would want to know how many dogs you have. it also might come into play when investigating damage claims.


I would ask them right out how this would effect your insurance. better to find out now then when you have a claim denied.
post #10 of 11
Some states have "Dangerous Breed" listings, and these can get you higher insurance rates. I have heard rumors that some counties are looking at banning some of the more dangerous breeds.

We have been told by our trainers that a lot of the time, if you have your dog go through the Canine Good Citizen class, pass the test and have a cert to prove it, you can get the lower rate on homeowners insurance because you've proven that your dog won't attack people (never a gaurantee, but this just shows that your dog has been basically tested for aggression).

I can't say that's a surety, but we did it anyways because it's good training to have lol. We don't live in the states so I can't give any personal experience on it, but I do know that even in europe, some breeds are either banned or have a ton of restrictions (can't be out in public places without a muzzle). We can't take our rottie to certain towns in other counties here in Germany without putting a muzzle on her, even though she has a CGC cert. If we were german citizens, we'd also have to register her with the town hall and provide proof of training and immunizations, and pay a tax.

It's a cruddy price to pay for irresponsible owners who don't train their dogs and the dogs end up biting somebody, but we're hoping that we can keep awareness up this way and keep people from getting certain breeds because they "Look cool or mean". A lot of people think our dog is big and tough, until they meet her and find that she's the biggest baby on the planet. We take every opportunity to introduce her and let people see that not all rottweilers are mean or aggressive.

Granted, she might accidentally step on your toes (which hurts because she's 100lbs) but that's only because she wants to get close to you for some attention lol.
post #11 of 11
Go with State Farm.
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