Canned by Homeowner's Insurance

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dobieluvr's picture
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Joined: 2010-04-12

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Hi guys,

So, I just found out by my homeowner's insurance that they are dropping us due to Kratos, when I asked why?...they said they did not want to deal with such a "dangerous" dog.  They said that he was too much of a risk for them to cover our home...I almost flipped on the girl, Kratos is the sweetest, most gentile of a dog I have ever owned!  I asked her if she had ever even owned a doberman, and of course she said no, that's when I told her then how can you judge my dog when you have never even owned a doberman.  Of course, she didn't care, it's just their "policy"...what the hell am I suppose to do now?!

AlphaAdmin's picture
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Joined: 2010-01-18

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Get a homeowner's policy from a company that isn't totally unreasonable, and let us and everyone else know whe this company is that won't insure a home because it has an arbitrarily chosen breed of dog living there...

I've got State Farm. Here's a good post: http://www.gentledoberman.com/forums/re-my-home-insurance-just-dropped-me You're not alone with this happening.

dobieluvr's picture
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Thanks Alpha,

Guys don't even bother looking at fidelity for homeowner's insurance, they are so unfair!  My dog has never done nothing to no one, I think I am going to call State Farm though, everyone else has them so we will too.

rgreen4's picture
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Joined: 2008-10-26

If you have any military connection through former service, you may be eligible to insure through USAA. They ask about dogs, and then ask if they have ever bitten anyone. As long as you can answer that no, they will insure.

gingersmommy's picture
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Joined: 2010-05-04

I've never reported any of my dogs to my insurance company, including Ginger. I don't believe she would ever bite anyone, so I guess I am taking my chances.  I have Liberty Mutual.  I just went to the online customer service to request a list of breeds and of course, I have to call a sales rep.  I hate that!

rgreen4's picture
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Joined: 2008-10-26

Gingersmommy - you might want to read over your policy and see if has any comments about dogs. If there is a requirement that you notify them, then you should.

gingersmommy's picture
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Joined: 2010-05-04

rgreen4, what a concept!  I guess I should read it!    I never read my policy; it all seems to be ten pages of "fine print" which you have to be a Philadelphia lawyer to understand.  I have been taking it on faith that "everything" is covered.  I have to say, though, that until this message board, it didn't even enter my head that my dogs might be an issue with my homeowner's policy.

jerial13's picture
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Joined: 2010-07-22

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Never thought about asking before, but I called my agent and there are only 3 breeds on the bad dog list for AllState Insurance, at least according to my agent and I live in Missouri.  Rottweillers, Pit Bull's , and Chows.  Doberman friendly (JUMPING FOR JOY) I really like my agent and they have all of my insurance home, life, auto, garage liability, I mean every kind of insurance I require.

Freyja's Dad's picture
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Joined: 2009-09-03

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According to my agent here in NC, Penn National will not discriminate against a dog until it has cost them a claim.  Once a dog is the cause of a claim they will drop you.

Dobieluvr, their ignorant policy will cost them money, yours and many that you tell about the policy.  I would recommend writing to their corporate office, as high up their chain as you can go.  It may not make a difference, but you never know.  I can assure you that if you don't write them it won't make a difference.  Of course you could always write a "letter to the editor" of your local paper, or even the NY Times.  If the Times would publish it I bet you'd get someone's attention

nupe's picture
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Joined: 2010-10-02

Listen to this story guys.....A friend of mine has a pit bull (gorgeous dog and sweet as can be)...He was walking dog down the street , cop stopped him and asked him if he has the $1200 Home owner insurance for his "pit bull" (this is according to my friend, mind you). Well my friend played dumb , told the officer he did not know about that law in NYC now (but here is where it gets good)...he asked the officer a interesting question, ""officer how do you know this is even a pit bull"...? "just because it looks like one:"? according to my friend cop just got pissed and drove off !!....Just a little food for thought!!

State Farm is who we have always been insured by. They are wonderful as far as the Dobermans are concerened.

nupe's picture
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Joined: 2010-10-02

I also have state Farm!!...yes they are good!!

jeshykai's picture
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Joined: 2010-09-02

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Yep, we use State Farm too.  My parents friend came to our house when Steve was still a puppy, ears posted and all.  He always complimented on us on what a handsome boy we have.  Got insured without even questions about our dogs.  I'm SO thankful about that now to know others have them and are fine.

I'm so so so sorry you have to deal with this.  I'm the type of person that believes firmly in writing, calling, complaining.  You will be surprised how much a well-written, polite but firm, letter can get you!! I'd call them, ask to speak to a manager, ask for an address and then in your letter request that you get refunded some money for paying into a policy that they dropped you on without warning or allowing you to seek another insurance policy before they did it.  In that letter, like Freyja's Dad said, threaten to take it to the local paper or news station.

Keep us posted.  Best of luck.

Control_Freak's picture
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We have State Farm and after we got Athena my mom kept grinding on us about home owners insurance so we called and they said it was no big deal and that we would continue to be covered and would be covered if she ever did bite someone.  I don't know if it you underwriter or what not but I think you should Kratos into their office and show them how well behaved and friendly he is!

sweetpea's picture
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Joined: 2010-10-25

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All I can saw is WOW, that is bull****!!  I would DEFINITELY be writing a letter to both the company AND the newspapers.  I'm surprised it's not law that any bias that an insurance company has against a particular breed needs to be backed up with statistics and scientific proof before they can make those kinds of stipulations in their policy.  I'm so sorry that you have to deal with this!  I haven't ever heard of this kind of a situation happening in Ontario, I doubt it's even legal here for them to ask what breed of dog you have - I know my insurance agent didn't! 

Let us know if you do file some complaints and how it pans out.

medikay9's picture
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Joined: 2011-01-27

I just had to take out a new Homeowners policy and I was really afraid when then asked about any dogs in the house. I answered all the agent's questions honestly and waited for her to get back to me with a quote.

I have my auto policy with them also- its Erie Insurance.

 

The agent returned my call within the hour. Cost of policy was not only less than the policy in effect right now, she informed me that Erie doesn't care about what breed of dog you own.

 

I breathed a huge sigh of relief.

 

Then I started to think: "What the heck is wrong with this picture?"

cisco9510's picture
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I had all-state at the old house and had an akita- It did not effect the cost- however he did end up sadly biting my step-son. My husbands ex is an insurance agent thru nationwide. My insurance paid out the money and all was good- When I moved though they would not cover me- And so we went thru the EX- well my policy doubled!!!!!! We are now not getting along well with the ex-wife and are pulling our insurance- Wyatt was put down, but now we have 2 dobes- I am going to call state-farm and ask about previous dog bite - since pay out is done and about the 2 pups... Its crazy but you have to cover your butt and your dogs I guess.... I can't believe they wouldnt insure you- I know Nationwide has a list of 5 dogs that if you own one your rate does increase a bit-

Pit Bulls, Dalmations, Akitas, Chows and I want to say Rots....

cf33's picture
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Joined: 2010-10-02

Question to ALL??? If your pit,doberman,akita,rott is a canine good citizen What then??????

I have always had State Farm(my agent knows shortly we will be getting a doberman) not a problem.

In fact I will ask the girls I know in insurance office about this.

talisin's picture
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Joined: 2011-02-25

Been reading this thread with interest. I remember when the Rhodesian Ridgeback "bit" my dad, he was trimming his nails and one got nipped to close and of course instant reaction the dog jerked and attempted to snap but turned away immediately when he realized it was a human hand but when turning, his teeth did catch his hand and ripped it needing two stitches to close it up. The doctor said he was going to have to report it and it would make his insurance go up and the police might require the dog to be euthanized! He was only 6 months old, and his teeth were super sharp, my Dad explained it was his dog he was trimming his nails and HURT the dog, the dog didn't Bite him the doctor still reported it and the police were at the ER and took a report and said if they got another report from a doctor they would take the dog and euthanize. Needless to say my dad told us if it happened again either the vet would sew him up or he would do it himself and we would all be punished if we mentioned it, hahahahaa.... the dog was wonderful and never snipped at him again. Not sure what all the fuss was about but it made me leary of doctors and dogs. I have Allstate and was glad to see that they don't have an issue, I know they never asked us if we had dogs much less what kind.  We have more trouble with our collector muscle cars than dogs.....

rgreen4's picture
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Joined: 2008-10-26

I will have to keep that in mind if it ever happens to me. Never rat out the puppy.

A better story is gee, Doc, I was working on a cabinet and caught it on a nail.

laith's picture
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Joined: 2010-12-01

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Yes, if you have the CGC, isn't that a way to prove your dobe is representing positive behavior in the community? I would ask your insurance about that! Regardless, I doubt I would stay with them after such rude customer service, but it may be something to ask about!

Wolfgirl_121's picture
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once, when we had Gordy, we were playing with a toy... he was about one at this point... he got into a fight with another dog and my dad had to reach his hand in to pull them apart. he got a wound on his arm that needed 5 stitches... it was the neighbors dog that did it... and instead of ratting the pup out... he told the doctor that he fell while stacking hay for my g-pa.

rgreen4's picture
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As I said, never rat out the puppy, especially if you know it is safe. If it is a strange dog, that's another story because of the risk of rabies.

laith's picture
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Agree! At our dog park the same dog has attacked 4 different dogs and one person's hand, including Laith. I think the owner has been reported but I just stay away from the dog and owner. I think she should be punished NOT her overly aggressive male dog. But we all know what will happen...