German Shepherd Home
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#192194 - 11/06/11 04:54 PM Legal Stuff (Homeowners' Insurance, Bites, etc.)
shepnterrier Offline
Pooh-Bah

Registered: 02/13/10
Posts: 2032
Loc: MA
Likes: 79
Practical advice on different kinds of home owners' and liability insurance, breed profiling by insurance companies and how to get insurance despite of it, and getting insurance even after a dog has bitten:
http://dogbitelaw.com/insurance-for-dog-owner/where-to-get-dog-owner-liability-insurance.html

Part of an excellent resource on US dog bite laws:
http://dogbitelaw.com/


Edited by MaxaLisa (11/11/11 04:06 PM)
Edit Reason: made title more general, please feel free to add to the thread!
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#192197 - 11/06/11 05:55 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: shepnterrier]
Kayos Offline

Can't Figure Tech Stuff Out

Registered: 02/18/10
Posts: 11662
Loc: McAlester, OK
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Excellent resource thanks for posting that.

We just recently took out an umbrella policy as we were under insured, dogs or not. We have USAA and they would not issue an umbrella policy to our homeowners insurance. They said they did not underwrite umbrella policies for dog owners but referred us to a partner company that did, The breed was not the issue. (so they said.)

A co-worker recently re-located to McAlester from Korea. She is buying a house and has an 8 year old Doberman. She wanted to use USAA for her homeowners insurance and they turned her down due to the dog breed. This is the first I have heard of USAA doing this. They know we have GSD's but it has never been a problem and we have never been asked to have extra liability for them nor has it affected our premium. So it might be interesting when we move and re-imsure another home. Maybe we are grandfathered? I do know that if USAA is now excluding certain breeds I will be pissed. It is one of the companies that has never had a problem with dogs of any breed.
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#192211 - 11/06/11 07:32 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Kayos]
Braverhund Offline
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Registered: 02/10/10
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Thank you for posting these, Sarah! goodjob
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#217346 - 03/06/12 11:26 AM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Braverhund]
Shilohsmom Offline
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Registered: 02/11/10
Posts: 1479
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Great info! Thanks for posting.
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#217401 - 03/06/12 05:54 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Shilohsmom]
PositiveDog Online   coffee
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Registered: 02/20/10
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Loc: Ohio
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Allstate has never been the least bit concerned that I have (and have had in the past) German Shepherds.
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#234660 - 06/06/12 10:36 AM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: PositiveDog]
SouthernThistle Offline
Addict

Registered: 02/21/10
Posts: 684
Loc: Georgia
Likes: 8
State Farm and Farmer's has never been concerned that we have a Pit Bull and a German Shepherd. Our State Farm agent has three pit bulls, a Boxer, a Chihuahua, and two Mastiffs smile
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#253651 - 09/25/12 01:43 AM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: SouthernThistle]
MaxaLisa Offline

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Registered: 01/26/10
Posts: 19428
Loc: Northern CA
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Great article posted that discusses dog bite laws in CA, and details some of the finer definitions. For example, a scratch with a nail is a considered a bite shocked

Originally Posted By: Schnickle Fritz
i thought this one of the best articles written on this subject.

http://www.spoiledbitch.net/newsletter/98.html
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#271360 - 02/12/13 08:41 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: MaxaLisa]
MaxaLisa Offline

Global Moderator

Registered: 01/26/10
Posts: 19428
Loc: Northern CA
Likes: 254
Farmer's Insurance no longer covering dog bites for pit bulls, rotties, and wolf hybrids: http://m.kcra.com/news/Farmers-Insurance...xm/-/index.html
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MaxaL (aka LisaT)

Jazmine, mini-mix, 10/18/2011
Max-n-Indy
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Health Index
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http://www.rabieschallengefund.org/

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