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 Posted: Wed Nov 03, 2010 12:07 pm Post subject: Pit Bull insurance |
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I wanna bring a pit bull in our family. What kind of coverage do I look for? Are such dogs covered under HO insurance? If my HO insurance won't cover it, what should I do?
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Hawailander
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| Posted: Wed Nov 03, 2010 4:31 pm Post subject: |
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Many HO policies are now going to exclude liability coverage on certain dogs. Also, many insurance companies are not even going to write a policy if they know certain dogs are in the home.
I'd consult an agent who knows which carriers offer what coverage for these dogs. |
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tcope
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| Posted: Thu Nov 04, 2010 6:42 am Post subject: |
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| Quote: | | Many HO policies are now going to exclude liability coverage on certain dogs. |
So, you mean to say that there are a few more dogs that would fall under such high-risk category for an insurance carrier. Can you list a few more species so that it becomes easier for us to know when to consult an agent. |
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steven
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| Posted: Thu Nov 04, 2010 12:26 pm Post subject: |
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| Insurers need to pay quite a high amount every year towards claims arising out of dog bites. If your pet dog is a harmless Chihuahua without any teeth, then the insurer won't really mind it. On the other hand, if you own a Pit bull or say a wolf hybrid then you might find it a bit difficult to get it covered. Even when you may persuade a carrier, you might see frequent rate hikes. |
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roddick
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| Posted: Thu Nov 04, 2010 9:41 pm Post subject: |
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| Quote: | | Can you list a few more species so that it becomes easier for us to know when to consult an agent. |
I've not see a list for many years now so I don't recall what breeds were on it. From what I remember it contained about 6 or so different ones. I know Pit Bulls were on the list. |
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tcope
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| Posted: Fri Nov 05, 2010 12:15 pm Post subject: |
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Well guys, ... Staffordshire Terriers, Pit bull terriers, Staffordshire Bull Terriers...you could add all of them!
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anonymous00
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| Posted: Fri Nov 05, 2010 8:35 pm Post subject: |
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According to insure.com (http://www.insure.com/articles/homeinsurance/dog-owners.html), these are the breeds insurers most commonly worry about:
* Pit bulls
* Rottweilers
* Chow chows
* German shepherds
* Siberian huskies
* Alaskan malamutes
* Doberman pinschers
* Presa Canario bulldogs
* Great Danes
* Boxers
* Akitas
* Wolf-hybrids
Many have added Cocker Spaniels to the list (nasty little buggers they can be).
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InsTeacher
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| Posted: Sat Nov 06, 2010 10:11 am Post subject: |
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We all need to understand the nature of risks that are threatening the insurance industry at present. In the recent past, dog bites have caused the P&C industry to spend around $300 million. The home insurance rates are bound to increase with each riskier dog.
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Juanita
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| Posted: Wed Nov 10, 2010 9:36 pm Post subject: |
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As regards InsTeacher's list, the first time your dog, if not an active member of the list, bites someone, it will be added to the list that applies to your policy -- Chihuahua, dachshund, shitzu, doesn't matter.
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MaxHerr
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