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What homeowners insurance companies do not discriminate by dog breed?
Wiki User
∙ 8y ago
Homeowners insurance and Dogs
No insurance company discriminates against a dog or breed, However, Insurance companies are increasingly unwilling to be liable for injury due to dog attacks and more specifically certain breeds that have been associated with historical high liability claims rates.
Many insurers are no longer being specific about the type of dog covered because policy language and structure these days increasingly excludes coverage for all damage or injuries caused by pets by default. When they are excluded it no longer matters as to your dog breed because no coverage is afforded for damages that result from our choice of pet.
More Input from Faq Farmers
- State Farm does not have any breed specific rules. I too had to shop around because I have a pitbull.
- I have been a happy State Farm client for 6 years. I was in a car accident and the person who hit me had them for insurance. I was so impressed with the way they handled my claim, I changed my insurance company to include health and home owners. I was even happier the day that I "slipped" and mentioned my "Bubba" was a pit, my agent went on to talk about she too had a mix!
Allstate Insurance, I have had very good service from this company. I own Cane Corso Mastiff, Dogo Canario, and Doberman. Additionally, I foster all breed types. When I added this home to the policy, they just came out, looked at the exterior of the home and that was it. No problems.
I would be careful to make sure you are being up front with your insurer regarding your dog's breed. This issue is relatively new to the marketplace and is ever changing. Many insurers will charge you more premium for a specific breed and others will exclude certain breeds if you have a claim. As long you are upfront with the breed and understand the ramifications of having that breed (higher premium, reduced coverage, etc) then you should be all set
Wiki User
∙ 8y ago
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Does farmers insurance have dog breed discrimination for their homeowners coverage?
No Insurance company discriminates against dogs or a breed of dog. Your insurance company does not decide what breed of dog or other pet you own. However most insurance companies do have coverage restrictions regarding animals and various breeds.If you want to own a pit bull, that's fine, If you want to own a 900 pound Bengal Tiger that's fine, Grizzly Bear, Alligator, great, but that does not mean your home insurance company has to offer you coverage for incidental injury and damages that arise out of your choice of pet.AnswerAre you talking about Farmers Insurance Exchange, the company, or insurance policies that farmers buy? If you are talking about the company then call your agent but yes they probably do have some restrictions as most companies do.
Does American Family Insurance Dog Breed Discriminate for Homeowners Insurance?
What do you mean by this question? If you are asking if they will not cover certain breed the answer is yes. Every insurance company I am aware of asks on their application if you own certain breeds or any dog who has bitten anyone. The top of the list always included Pit Bulls, Rottweilers, German Shepherds, Doberman Pinchers, etc. If you want to argue Pitt Bulls forget it. Over half of the bites last year were from Pit Bulls and almost every bite involving death was from a Pit Bull. No one should own a Pit Bull. They are far too aggressive and deadly.
Is it legal to get canceled from homeowners insurance because of my service dog?
It's not a matter of legality. It's a matter of the companies underwriting guidelines. No insurance company is going to cancel your policy due to your having a service dog. They can however cancel your policy if you own a certain breed of dog that is on the companies prohibited list. For example, If a company does not allow Pit Bulls, then that won't change simply because the Pitt Bull has been trained as a service dog. If they made an exception for that breed because it is service trained, then the company could be accused of discrimination against all those who's Pitt Bulls are not trained for service.
Where to compare pet insurance prices?
Depending on the breed of dog, some insurance companies will offer free quotes and those can be compared side by side to see which is most appropriate for your situation and your wallet.
Are RV parks allowed to discriminate against my Rottweiler?
They can discriminate against whatever dog breed they see fit and you can see fit to stay at another "dog-friendly" RV park. Vote with your feet.
What can you do about dog breed discrimination among home owners insurance companies?
Get rid of your pit bull. (Or Rotties) There is nothing you can do . . . the insurance companies are in business to make money, not to give their money away. It is known that of all dogs that have killed people, pits are responsible for about 67% of those deaths. An insurance company would be crazy to insure someone who owns a pit. Overall across America, they would lose money. When insurance companies write insurance policies, they have to do so on the basis that they won't even have to pay out on the vast majority of policies sold.
Is the American bulldog a dangerous breed not insured by American family insurance?
No an American bulldog is not a dangerous breed not insured by American family insurance.
What breed of dog is it important to carry dog insurance for?
depends on the dog,maybe you have a pedigreed dog that is an especially rare breed,or the dog is a fire and rescue or trained police dog that is invaluable to your line of work.perhaps a seeing eye dog that helps you get around or just a best friend that stays with you everywhere you go . there are many insurance companies that will insure a pet.
Can insurance company cancel homeowners because of types of dogs you own?
Absolutely. Every homeowners insurance company I know of asks if you have pets and if so what breed. Most specifically ask about Pit Bulls, Rotweillers, Doberman Pinchers, German Shepherds, any dog partly made up of these breeds, or any animal with a bite history. If you look at the statistics you will see that Pit Bulls make up less that 2% of the dogs in the U.S. but result in over 60% of the deaths with over half being children under 12. These types of dogs result is millions of dollars each year in losses from lawsuits over a biting. Of course these are not the only dogs that bite but these are most of them. Homeowners insurance covers suits and legal fees for this and many other items. The applications also ask if you own a trampoline or an unfenced pool. If you have one of these dogs some companies will write the insurance if you sign an animal bite exclusion which excludes coverage for suits of this type.
What is the average cost of a comparable pet insurance?
Pet insurance is paid monthly, often $20-40, though your cost will depend on a number of factors about your dog, such as gender, age, breed, etc. You can get pet insurance to cover routine care, accidents and/or illness, but this will also affect price. Some common pet insurance companies are Pet Care and PetsHealth Care.
What are facts about aryan?
These cattle were of no discriminate breeding or breed, they come in various colours and colour patters, where primarily horned and used for beef, milk and draft work.
What are facts about Aryan cattle?
These cattle were of no discriminate breeding or breed, they come in various colours and colour patters, where primarily horned and used for beef, milk and draft work.
