Legal Stuff (Homeowners' Insurance, Bites, etc.)

Posted by: shepnterrier

Legal Stuff (Homeowners' Insurance, Bites, etc.) - 11/06/11 04:54 PM

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/
Posted by: Kayos

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 11/06/11 05:55 PM

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.
Posted by: Braverhund

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 11/06/11 07:32 PM

Thank you for posting these, Sarah! goodjob
Posted by: Shilohsmom

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 03/06/12 11:26 AM

Great info! Thanks for posting.
Posted by: PositiveDog

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 03/06/12 05:54 PM

Allstate has never been the least bit concerned that I have (and have had in the past) German Shepherds.
Posted by: SouthernThistle

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 06/06/12 10:36 AM

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
Posted by: MaxaLisa

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 09/25/12 01:43 AM

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
Posted by: MaxaLisa

Re: Homeowners' Insurance, Dog Owner Liability Insuran - 02/12/13 08:41 PM

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