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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Sarah
Chip vom Dog Pound, border terrior, Director of Rodent Control, CGC
Elly von Rescue, GSD, CGC, HI(C)
Captain Jack, Mama Blue, Little Orca, Bübchen, Tux, Cherub (pocket lions)


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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
Likes: 240
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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PTE,AC,URO3,AG2,UCD Xtra!Xtra! v. TeMar CDX,GN,RE,CGC,TC,HIC, Bh "Havoc" 6/4/07
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#192211 - 11/06/11 07:32 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Kayos]
Braverhund Offline
Carpal Tunnel

Registered: 02/10/10
Posts: 5431
Loc: Massachusetts
Likes: 158
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 Online   content
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Registered: 02/11/10
Posts: 1726
Likes: 160
Great info! Thanks for posting.
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Rosa

Proud Mom to Eli and Kodiak
and never to be forgotten, Shiloh and Shoshi
Every dog deserves to have a human that thinks its the greatest dog that ever lived!

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#217401 - 03/06/12 05:54 PM Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Shilohsmom]
PositiveDog Offline
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Registered: 02/20/10
Posts: 4914
Loc: Ohio
Likes: 134
Allstate has never been the least bit concerned that I have (and have had in the past) German Shepherds.
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Bonnie

With approval of my friends:

SamCat, 03/2011

Seiko, Solo, Sophie, Skye and Buddy - bridge dogs who taught me so much

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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: 686
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: 19487
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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MaxaL (aka LisaT)

Jazmine, mini-mix, 10/18/2011
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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: 19487
Loc: Northern CA
Likes: 256
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
_________________________
MaxaL (aka LisaT)

Jazmine, mini-mix, 10/18/2011
Max-n-Indy
Max, 5/2001-2/2012, RIP my partner, my Regal Boy
Indy, 5/1997-10/2010, RIP my friend, my teacher

Health Index
K9 TBD info and Tick List Links
http://www.rabieschallengefund.org/

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