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Old 01-05-2010, 07:50 PM   #16 (permalink)
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Originally Posted by Aximus Prime View Post
So friends of mine who know nothing about bull breeds other than the hype the media provides on them have told me that I may have trouble finding a homeowners insurance provider when I buy my first home this year because I own an American Pit Bull Terrier.

I did some research on this and came up with the likely scenario that if I own a dog breed considered high risk, worst case I would simply be denied coverage for any incident involving my dog but it may not increase my rates or effect other home coverages?

Does anyone have first hand experience with this? Options, suggestions? Is it easier to get insurance with a bull breed if I'm not on an HOA? I plan to buy a place in the country, 1-5 acres, no subdivisions!

Thanks!
HOA & Home owners insurance are two separate entities. It's hard to find Insurance if the Insurance company knows you own a bully breed or it will increase your rates in comparison to your Chihuahua owner. Best thing to do is call different insurance companies or consult your Realtor. Otherwise you can do what I did & just avoid telling them you own a pit bull. As for HOA, I'd avoid them like a plague if you can.
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Old 01-05-2010, 07:55 PM   #17 (permalink)
 
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Originally Posted by Lex's Guardian View Post
HOA & Home owners insurance are two separate entities. It's hard to find Insurance if the Insurance company knows you own a bully breed or it will increase your rates in comparison to your Chihuahua owner. Best thing to do is call different insurance companies or consult your Realtor. Otherwise you can do what I did & just avoid telling them you own a pit bull. As for HOA, I'd avoid them like a plague if you can.
Thanks! and yes, I am avoiding HOA's like the plague. I would kill someone if I had to consult the HOA board in order to put up a fence in my backyard, or have a cookout!

So, hypothetically. Lets say you get Home Owner's Insurance...never telling them that you have a pit bull...lets say your house catches fire....is there anyway their lawyers can deny you fire coverage because they find that you have a pit bull? I can't see how...but if so this country has a more F'd legal system than I thought. If your only worry is that you would not be covered if sued over your dog, than that's a risk I'm willing to take.

If they ask for a breed name when applying should I just say "He's mixed"?
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Old 01-05-2010, 07:56 PM   #18 (permalink)
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In all honesty they don't need to see papers or anything they just look at your dog and make a judgement. I know it's unfair...they don't even get out of their car the skeez buckets. Citizens has been wonderful to us.
Citizens know's the breed you have & still covers you no problem? How long have you been w/ em if you don't mind my asking? I'll have to look into them for my home.
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Old 01-05-2010, 08:01 PM   #19 (permalink)
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Originally Posted by Aximus Prime View Post
Thanks! and yes, I am avoiding HOA's like the plague. I would kill someone if I had to consult the HOA board in order to put up a fence in my backyard, or have a cookout!

So, hypothetically. Lets say you get Home Owner's Insurance...never telling them that you have a pit bull...lets say your house catches fire....is there anyway their lawyers can deny you fire coverage because they find that you have a pit bull? I can't see how...but if so this country has a more F'd legal system than I thought. If your only worry is that you would not be covered if sued over your dog, than that's a risk I'm willing to take.

If they ask for a breed name when applying should I just say "He's mixed"?
Let's just say hypothetically you were watching a neighbor friends dog while they were on vacation... That's hypothetically my & my hubby's plan in case something happens. Personally though I'd feel better finding an insurance that doesn't discriminate but I'm not letting anyone dictate my choice of dog. It's just ridiculous that low class individuals who happen to own a 'pit bull' & are uneducated about how to raise a dog end up becoming the stereotype for a breed of dog... What's that saying, one bad apple spoils the bunch?? I hate that thought process personally.

Why lie, avoid the dog altogether, you didn't have pets at the time... And yes the legal system is very F-tardeed, let's just say it is way less than 'perfect'... And where there's loop holes for them, there's loop holes for us. I'm all about finding a good johnny cochran every now and again if need be
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Last edited by Lex's Guardian; 01-05-2010 at 09:02 PM.
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Old 01-05-2010, 08:07 PM   #20 (permalink)
 
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Originally Posted by Lex's Guardian View Post
It's just ridiculous that low class individuals who happen to own a 'pit bull' & are uneducated about how to raise a dog end up becoming the stereotype for a breed of dog... What's that saying, one bad apple spoils the bunch?? I hate that thought process personally.
Funny how that works with dogs.....With how "politically correct" the USA has become...funny we still stereotype and "racial profile" dogs like this.
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Old 01-05-2010, 08:08 PM   #21 (permalink)
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Is this perhaps more of an issue in the state of FL than other southern states?
No, this is an across the country kinda thing. It's a problem with the insurance companies themselves.

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Originally Posted by Aximus Prime View Post
Thanks! and yes, I am avoiding HOA's like the plague. I would kill someone if I had to consult the HOA board in order to put up a fence in my backyard, or have a cookout!

So, hypothetically. Lets say you get Home Owner's Insurance...never telling them that you have a pit bull...lets say your house catches fire....is there anyway their lawyers can deny you fire coverage because they find that you have a pit bull? I can't see how...but if so this country has a more F'd legal system than I thought. If your only worry is that you would not be covered if sued over your dog, than that's a risk I'm willing to take.

If they ask for a breed name when applying should I just say "He's mixed"?
You need to read your policy thoroughly. I did tell Citizens I had an APBT, but when they sold my policy to the new American (whatever the crap) I never heard from them, until I got a fancy check in the mail (my years premium). They say they sent me a letter to get rid of my dogs, but I never recieved it. They litterally go by what the dog looks like. At least they did in my case. That American whatever the crap company will not cover me without another inspection to insure the dogs are gone. Yes, they can deny you coverage in a fire if you have a Pit Bull (vicious breed) on the property... it's a card that they can pull to avoid shelling out their money. Insurance companies won't fork out the money nor tell you much of anything, they would rather stick it to ya.

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Citizens know's the breed you have & still covers you no problem? How long have you been w/ em if you don't mind my asking? I'll have to look into them for my home.
Yes, Citizens knows what breeds I own and they still cover me. I was with them for about 2 years then the policy got sold, 6 months into them was when my insurance was due on my home, a month later I get that darn check. It's been a few months since I've signed back up with them.
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Old 01-05-2010, 08:16 PM   #22 (permalink)
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Originally Posted by Indigo Bully Connection View Post
No, this is an across the country kinda thing. It's a problem with the insurance companies themselves.



You need to read your policy thoroughly. I did tell Citizens I had an APBT, but when they sold my policy to the new American (whatever the crap) I never heard from them, until I got a fancy check in the mail (my years premium). They say they sent me a letter to get rid of my dogs, but I never recieved it. They litterally go by what the dog looks like. At least they did in my case. That American whatever the crap company will not cover me without another inspection to insure the dogs are gone. Yes, they can deny you coverage in a fire if you have a Pit Bull (vicious breed) on the property... it's a card that they can pull to avoid shelling out their money. Insurance companies won't fork out the money nor tell you much of anything, they would rather stick it to ya.



Yes, Citizens knows what breeds I own and they still cover me. I was with them for about 2 years then the policy got sold, 6 months into them was when my insurance was due on my home, a month later I get that darn check. It's been a few months since I've signed back up with them.
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Old 01-05-2010, 08:18 PM   #23 (permalink)
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Funny how that works with dogs.....With how "politically correct" the USA has become...funny we still stereotype and "racial profile" dogs like this.
I feel like it's gotten worse than ever, xenophobia just migrates from one subject matter to another :/ - makes me flabbergasted
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Old 01-05-2010, 11:00 PM   #24 (permalink)
 

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Here's the best ~ as long as your dog has never shown signs of aggression and have documented proof he is sound (professional trainer or temperament test proof) you will have no problem getting it.

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