Aggressive dog breed

[djs]

Ok. I had an article on my blog about liability insurance for dog bites, I received an email asking what companies will be good for aggressive dogs. That's all I know. I guess the answer is - Call the home insurance companies in your state.

The person who sent you the email probably had a specific situation, a certain state, a certain dog, and knew if the dog had a history of attacks. With that information, it can be answered. Without it, its almost impossible to answer the question.

In general, if a dog has a history of attacks, it will be difficult to write, and the dog will likely be excluded.
If the breed has a history of attacks, many insurers either won't write the policy, or exclude the dog (I have no idea if this is the majority).
If the dog has no history, but is an aggressive breed, some insurers will write the house, with the dog, until the first bite, then the dog will be excluded.

I can't answer specifically without a specific question.

Dan

 

[rain07]

I have an interest in insurance, but I do not claim to be an expert or an agent. Someone may have a blog about an interest of theirs, such as Mac computers, because it's their interest, but people know to ask Mac tech support if they have certain questions. I came here to ask this question, because I thought there might be an easy answer, but now I know there is not. Anyway , thank you for the replies.

LOL...if your any insurance expert with your own blog take a few minutes and research it via P&C companies.

Or ask specific ?'s that someone may be able to answer.

 

[Mr. Bill]

Many of the folks on the forum might not remember, but 20th Century Insurance, based out of somewhere in The Valley in CA, had a huge, and I mean HUGE market share of so Cal, and they were nearly wiped out when California experienced a number of situations like California is experiencing today (earthquakes, wildfires, etc.). My point is that when an insurance company doesn't mitigate risks by type, geography, etc., then they risk losing it all.

The same would go with agressive dog breeds. You are not likely to find a particular insurance company willing to provide insurance to Michael Vick for pit bulls, right? And since there seemed to be a whole lot more Michael Vicks out there (watchers and participants, not dog killers), the insurance industry was given a "wake up call".

You're just going to have to strap on the old phone and start calling to find it out. One breed may be coverable in one area, and the same breed absolutely no way in a different area.

 

[yvonne]

i need pit bull homeowners??help

 

[M Gen]

i need pit bull homeowners??help

Can't speak for your state but what you're likely (or unlikely) to find is the carriers that will take on your home will exclude any sort of liability for the dog.

Sorry if this is something that has already been answered. I'm new here and trying to catch up.

 

[Guest]

i need pit bull homeowners??help

You had a pull up a 5 year old thread to ask this?

Farmers or state farm dont care about dogs

 

[djs]

You had a pull up a 5 year old thread to ask this?

RBA - Now say 'thank you for using the search feature'.

 

[CHUMPS FROM OXFORD]

Sadly, Ohio may pass legislation that a pit bull is not vicious. Crazy.

 

[NCAgent]

Some states don't allow a published dog list. I believe GA is one of them, but I can't remember.

Whenever I hear something isn't desirable (multiple losses, dogs, etc.) I say to look at Foremost, E&S lines, and the FAIR plan (if applicable, does every state have a FAIR plan????)

Those 3 things are what I usually do and I haven't lost to that approach yet.

Some companies will be willing to allow certain dogs more than others- German Shepard dogs are on many lists but my underwriter usually allows it if the client fills out a questionnaire and the rest of the home looks good, whereas a wolf-hybrid is going to be a "no." Safeco takes an approach that is a little holistic (at least here in NC) with the risk. So it might be worth having an agent make a call to the underwriter and see what can be done.

 

[joshb]

Chubb does not care about breed either, and won't exclude animal liability.