Is there some kind of list that insurance companies use (for home insurance)…..?
to rate breeds of dogs before issuing a policy to you? Is this listed on line? I have some friends that have Pits and Rotties and their insurance it higher because of the dogs they own…but these dogs are wonderful, no aggression issues and they have obedience, CD, CGC titles for their dogs…
I have a Husky and a Bernese Mtn dog…are these breeds on the 'bad' list?
If your breed is listed on the 'bad' list, shouldn't the insurance company look at the 'dog' itself instead of the breed? Why should I pay a higher premium if my dog has Obedience, Show titles etc…Should the insurance companies at least LOOK at the titles that the dogs have? The AKC doesn't just 'hand' out titles to dogs. They have to EARN them thru hard work between the owner and dog.
Your thoughts?
It is a shame, but it seems to be a case of the "good" owners having to pay because of the "bad" owners. I can understand the insurance company's refusal to consider AKC titles because it's not the AKC that will have to pay a claim if a situation arises…
I think the breeds differ by state. Just call your agent and they will be happy to advise you on this!
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I work for an insurance company
you have to consult with your insurance provider. My aunt's neighbor refused their policy if they didn't get rid of the dog actually – that dog jumped out 3 times, and attacked 3 different dogs, 2 of which the owners paid off themselves without notifying the company, third time that dog almost killed my aunt's dog – the cost was so high the neighbors refused to pay so my aunt got the neighbors together and brought the case to the insurance provider – they now got rid of the dog.
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Yes, they do have some sort of list. When the insurance man came out to put insurance on our place, he asked if my dogs were dobies, rotties or pits. He had no idea what any of my dogs were…they are LGD.
We dodged the higher rate because our dogs were not on the list at the time, but as more dogs get put on the bad breed list because of sensationalism in the news media, we will see more and more people get nailed with higher premiums.
I agree with you that it should be based on the individual dog and his history, not the breed as a whole.
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It is a shame, but it seems to be a case of the "good" owners having to pay because of the "bad" owners. I can understand the insurance company's refusal to consider AKC titles because it's not the AKC that will have to pay a claim if a situation arises…
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Yes, there is, and I would suggest thay you volunteer nothing about any dog to them unless they ask specifically. If they DO ask, tell them the dog is a mutt (Yaaay for mutts!). How are they going to disprove it? They don't do genetic testing. I have two rotties who are wonderful indoor family dogs, and we are very responsible with them to the point of obsession. They don't even go outdoors unless they are 100 percent directly supervised. I wasn't asked (though I know allstate has them on the list) – so I didn't tell. Technically they are mutts since their paternity is not certain- they aren't registered and both were adopted. Both are CGC certified. If I was asked I would tell them I had a couple of mutts (shrug).
This falls under the "bullsh*t things insurance companies do" clause, and you should just shine them on.
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