Homeowners Insurance

[BoiBoi]

So i'm in the process of buying another house and i justed talked to the homeowners insurance guy to get everything set up for the new house. He asked me if i had any pets and i had a feeling that i should say no so i did. I then proceeded to ask him what if i decided to get a dog later on, well he said that would be fine but their might be a problem if the dog is one of those kind, like a dobe, rotty or pitbull. So my question is does anyone know of any homeowners insurance companies that have no problems with pitbulls because i really don't wanna lie about it and i don't want to have a problem later if someone catches me, so please if anyone knows of any companies please help me out, thanks

[440rider]

So i'm in the process of buying another house and i justed talked to the homeowners insurance guy to get everything set up for the new house. He asked me if i had any pets and i had a feeling that i should say no so i did. I then proceeded to ask him what if i decided to get a dog later on, well he said that would be fine but their might be a problem if the dog is one of those kind, like a dobe, rotty or pitbull. So my question is does anyone know of any homeowners insurance companies that have no problems with pitbulls because i really don't wanna lie about it and i don't want to have a problem later if someone catches me, so please if anyone knows of any companies please help me out, thanks

FARMERS insurance.

[BoiBoi]

FARMERS insurance.
I justed tried them and they said the same thing

Anybody else have any companies that u use that allow pitbulls

[440rider]

I justed tried them and they said the same thing
Anybody else have any companies that u use that allow pitbulls

they asked you if you had pets? call a different agent..we have farmers and they never asked once what we have as far as animals...are you in city limits? We're in the backwoods maybe a different situation. good luck!

[LuvinBullies]

I justed tried them and they said the same thing

Anybody else have any companies that u use that allow pitbullsI use Farm Bureau in Georgia. I don't know if it's a Georgia company only or not. They have a "no vicious dogs" policy- but they are not breed specific. I asked the guy how his company defined "vicious dogs" and what breeds they included and he said they didn't include breeds- they just don't cover households with vicious attack dogs. So he left it up in the air, I told him I had four large dogs but they were housedogs and he never even asked the breed, he just asked for my word that they were not vicious dogs.

[BoiBoi]

they asked you if you had pets? call a different agent..we have farmers and they never asked once what we have as far as animals...are you in city limits? We're in the backwoods maybe a different situation. good luck!
yea that was like one of the first questions asked, im not in any big city limits, im in the burbs. I guess im gonna either just have to lie about it or try to find one that wont discriminate.

[BoiBoi]

I use Farm Bureau in Georgia. I don't know if it's a Georgia company only or not. They have a "no vicious dogs" policy- but they are not breed specific. I asked the guy how his company defined "vicious dogs" and what breeds they included and he said they didn't include breeds- they just don't cover households with vicious attack dogs. So he left it up in the air, I told him I had four large dogs but they were housedogs and he never even asked the breed, he just asked for my word that they were not vicious dogs.
The 2 companies i've talked to so far both named the specific breeds that they don't allow, for the most part it was Rotty, Dobe, pitbull and get this GSD are on their list 2.

[purplepig]

The 2 companies i've talked to so far both named the specific breeds that they don't allow, for the most part it was Rotty, Dobe, pitbull and get this GSD are on their list 2.
We have allstate, and when setting up they asked no questions about dogs, but when they sent an agent out, he reported that we had pitbulls. They callled and said they would drop the insurance if we didnt get rid of them, and that we'd have a written statement in 10 days. Well, that was a year ago, and no papers. I figured that since we have auto and home insurance through them, they buried the report, but I am wondering if they will pay in the event of needed. I have no idea. We found one other agency that would insure us with the bulldogs, only if we signed a waver making them not responsible, and that was $500 more a year!! I am kinda up in the air as to what to do.

[FLpits]

i told mine i don't have any and if they find out they can kiss my ass

[BoiBoi]

We have allstate, and when setting up they asked no questions about dogs, but when they sent an agent out, he reported that we had pitbulls. They callled and said they would drop the insurance if we didnt get rid of them, and that we'd have a written statement in 10 days. Well, that was a year ago, and no papers. I figured that since we have auto and home insurance through them, they buried the report, but I am wondering if they will pay in the event of needed. I have no idea. We found one other agency that would insure us with the bulldogs, only if we signed a waver making them not responsible, and that was $500 more a year!! I am kinda up in the air as to what to do.
I imagine if it came down to it that they probably wouldn't pay for damages. This really effing sux, im gonna have to lie and keep my dog hidden for the first few months because i doubt im gonna find one that excepts apbt's, and im not about to pay a shit load more because i have a "vicious pitbull", effing @$$holes

[purplepig]

I imagine if it came down to it that they probably wouldn't pay for damages. This really effing sux, im gonna have to lie and keep my dog hidden for the first few months because i doubt im gonna find one that excepts apbt's, and im not about to pay a shit load more because i have a "vicious pitbull", effing @$$holes
but if the house burns, roof blows off in a storm, then they dont pay? HMM I wish I knew whether they would or not. I have a few acres and where my dogs are could easily be sectioned off, a kennel incorperated, and the land put in the name of the incorperation. I have thought of this several times. It would really suck to have to pay for a damaged house out of pocket when your paying for insurance that wont pay.

[FLpits]

I imagine if it came down to it that they probably wouldn't pay for damages. This really effing sux, im gonna have to lie and keep my dog hidden for the first few months because i doubt im gonna find one that excepts apbt's, and im not about to pay a shit load more because i have a "vicious pitbull", effing @$$holes i have nation wide and they never check my house at all and if they did they would have seen they sign that said guard dog on my fence. I told they i didn't have any and like i said if they find out they can kiss my ass

[kane85]

So i'm in the process of buying another house and i justed talked to the homeowners insurance guy to get everything set up for the new house. He asked me if i had any pets and i had a feeling that i should say no so i did. I then proceeded to ask him what if i decided to get a dog later on, well he said that would be fine but their might be a problem if the dog is one of those kind, like a dobe, rotty or pitbull. So my question is does anyone know of any homeowners insurance companies that have no problems with pitbulls because i really don't wanna lie about it and i don't want to have a problem later if someone catches me, so please if anyone knows of any companies please help me out, thanksi say go to the nighborhood your going to want to live in and meet your nighbors and see how they are if they are cool with dogs and what not and bring one of your dogs with you so they can meet them cause if your your nighbors are cool with it then no worrys about the home owners cause you dont want an ass for a nighbor cause let say you just move in like you said and dont tell nobody about them and on of you nighbors finds out about them and gose and snitches on you you know what i mean hope this helps.

[purplepig]

i have nation wide and they never check my house at all and if they did they would have seen they sign that said guard dog on my fence. I told they i didn't have any and like i said if they find out they can kiss my ass
I hear ya, but what if your house burns, what will you do then when they do not pay? and they tell you to kiss their anus?

[BoiBoi]

but if the house burns, roof blows off in a storm, then they dont pay? HMM I wish I knew whether they would or not. I have a few acres and where my dogs are could easily be sectioned off, a kennel incorperated, and the land put in the name of the incorperation. I have thought of this several times. It would really suck to have to pay for a damaged house out of pocket when your paying for insurance that wont pay.
I was just gonna say if u had a business like a kennel that bred these dogs then i guess they would have to insure u, but that would involve paying other types of taxes and shit like that because of the business, damnit this is messed up.

[FLpits]

but if the house burns, roof blows off in a storm, then they dont pay? HMM I wish I knew whether they would or not. I have a few acres and where my dogs are could easily be sectioned off, a kennel incorperated, and the land put in the name of the incorperation. I have thought of this several times. It would really suck to have to pay for a damaged house out of pocket when your paying for insurance that wont pay.
i sure they would cover anything like that but not if your dog bites someone, if your house burns down or anything like and they ask about your dogs just say that u got them a week ago. u were just about to call them to let them know.

[BoiBoi]

i say go to the nighborhood your going to want to live in and meet your nighbors and see how they are if they are cool with dogs and what not and bring one of your dogs with you so they can meet them cause if your your nighbors are cool with it then no worrys about the home owners cause you dont want an ass for a nighbor cause let say you just move in like you said and dont tell nobody about them and on of you nighbors finds out about them and gose and snitches on you you know what i mean hope this helps.
Yea i know what u mean, i already talked to the one neighbor and he has 2 big ass rotties so im guessing that he aint gonna care about my one apbt mix. I already know the neighborhood, its not that far from where im at right now and damn near half the people have apbt's or rotties or dobies or somesort of "vicious dog", so i know that the neighbors wont have a problem.

[BoiBoi]

i have nation wide and they never check my house at all and if they did they would have seen they sign that said guard dog on my fence. I told they i didn't have any and like i said if they find out they can kiss my ass
See the last house i got they came out and checked it all out and gave me a call a few days later, i didn't even know they came to see it. I didn't have the dog then but they were all in my business about other shit. U can't just say they can kiss my ass cause if somethin happens and they decide not to cover u then u'll be kissing their ass trying to get some money.

[Pitbull219]

I bought my first house 8 years ago. We already had Allstate for auto so we went with them for the homeowners. We were up front and told them we had a pit bull when they asked. They sent an agent out to temperament test our dog. He said she was the best behaved dog he'd ever been sent out to have a look at. So, no problems there. When we bought our second home last year, they didn't ask us anything about dogs. But, I was just reading somewhere a couple months ago that their policy has changed and they do have a breed specific policy in place now.

[LegendsMami]

I'm not sure if this was said already. B/c I just skimmed through so sorry if its already said. State Farm I've heard accepts APBTs.

[BoiBoi]

I'm not sure if this was said already. B/c I just skimmed through so sorry if its already said. State Farm I've heard accepts APBTs.
I'm gonna give them a call later, i got numbers for like 10 different companies i found so hopefully one of them excepts apbt's.

[Hoyden]

I held insurance licences in CT,VA and HI for more than 10 years before I decided I hated insurance and opted not to renew my licences.

Here you go.

State Farm will write a risk with Pit Bulls. Expect an agent to come out and meet your dogs. Some do and some don't though.

I just talked to my Nationwide Agent and he said that they just received an underwriting memo that Nationwide will write dogs that are red lined (excluded) like Pit Bulls, Rotties, etc. with a certificate that they have completed the AKC Canine Good Citizen course and passed the test.

As to whether or not a company will pay a claim that IS NOT related to the dog in the event you have a loss and they find out that you have a pit bull and didn't tell them, it's ifey.

I've seen it go both ways. I've seen the company refuse to pay a claim that was not dog related because the insured mis-represented themselves on the application intentionally. They refunded the money that was paid towards premiums at short rate and that was that.

I've also seen the company pay the claim, and get off the risk on the next renewal citing that the insured had a dog that was specifically excluded by underwriting. I've also seen them pay the claim and give the insured a 60 day Notice of Cancellation.


It all depends on the underwriting guidelines and the laws in your state.

[purplepig]

I bought my first house 8 years ago. We already had Allstate for auto so we went with them for the homeowners. We were up front and told them we had a pit bull when they asked. They sent an agent out to temperament test our dog. He said she was the best behaved dog he'd ever been sent out to have a look at. So, no problems there. When we bought our second home last year, they didn't ask us anything about dogs. But, I was just reading somewhere a couple months ago that their policy has changed and they do have a breed specific policy in place now.
So, do you believe that if you were not asked, yet it was against their policy to insure homes that had bulldogs, that in the event of storm damage/fire, they would pay, or would not have to pay? That is my delima. They didnt ask at first, and then the inspector saw I had a bulldog, yet they lost the report.

[purplepig]

I held insurance licences in CT,VA and HI for more than 10 years before I decided I hated insurance and opted not to renew my licences.

Here you go.

State Farm will write a risk with Pit Bulls. Expect an agent to come out and meet your dogs. Some do and some don't though.

I just talked to my Nationwide Agent and he said that they just received an underwriting memo that Nationwide will write dogs that are red lined (excluded) like Pit Bulls, Rotties, etc. with a certificate that they have completed the AKC Canine Good Citizen course and passed the test.

As to whether or not a company will pay a claim that IS NOT related to the dog in the event you have a loss and they find out that you have a pit bull and didn't tell them, it's ifey.

I've seen it go both ways. I've seen the company refuse to pay a claim that was not dog related because the insured mis-represented themselves on the application intentionally. They refunded the money that was paid towards premiums at short rate and that was that.

I've also seen the company pay the claim, and get off the risk on the next renewal citing that the insured had a dog that was specifically excluded by underwriting. I've also seen them pay the claim and give the insured a 60 day Notice of Cancellation.


It all depends on the underwriting guidelines and the laws in your state.
Would this underwriting be written in my policy? I am stupid to this kind of stuff!! How can I find out? I live in Louisiana, and they did not ask if I had dogs, then the agent saw, and reported the bulldogs, then we never got the written letter that we were supposed to get about it, and never heard nothing again, and they were suposed to cancel, but never did. It was like they knew we would transfer our auto and home, and wanted to keep us, so they lost the report.

[Attila]

I don't know about all this as my kennel is registared and all the other happy horse crap. I will say this, it is a wonderful write off on my taxes. Which makes up for any extra premiums that I may had to have paid. However they never asked me what kind of dogs I raised and they did come out. Never have I had an issue. But I have a farm also the kennel, the boat, several cars and so on. I would find an independant broker and ask their advise on the issue. There are many companies and many angles to play. Hell if you told them you had plott hounds they would likely not know the dang difference any way. If it don't have a head on it like a bastard rat or weigh 100 pounds they may think you have a bird dog for that matter. Tell them you have a white pellican dog. Or you can say it is just a mutt and that isn't really telling a lie. Mixbreed or what ever. That ask mixed with what say yorky and blood hound. That would be fun.

[ghost 1]

I imagine if it came down to it that they probably wouldn't pay for damages. This really effing sux, im gonna have to lie and keep my dog hidden for the first few months because i doubt im gonna find one that excepts apbt's, and im not about to pay a shit load more because i have a "vicious pitbull", effing @$$holes
STATE FARM don't mind pitbulls as long as it's not a yard full but i have 5 here at the hous and he said it's not a problem,,,, they aren't breed specific

[maryellen1]

Prime Insurance in Utah will write homeowners and rescues with pitbulls. allstate, state farm and erie like purple said will write them also. do not lie on your application, as that is considered fraud and they can deny any claim due to you lying on your application.

[Verderben]

Mine is through:
Goodwill Insurance
2026 FULTON RD NW
CANTON, OH 44709-3564
Phone: 330-455-0538

I don't know if they do other states but It wouldnt hurt to call an ask. They know what kind of dogs I have and they just put in a written exclussion on the dogs.

**edit** Also when the man came out to see the house he walked right through my chain spaces and petted most of the dogs. So far we have been happy with this company and have had no problems

[Verderben]

I'm not sure if this was said already. B/c I just skimmed through so sorry if its already said. State Farm I've heard accepts APBTs.they were the first ones I called and they told us no and read off a whole list of dogs they will not except.

[miakoda]

they were the first ones I called and they told us no and read off a whole list of dogs they will not except.First, although each insurance company has an overall blanket policy on dogs, it's up to the individual agent that you call to decide if he/she wants to cover you. Some agents will not cover those people with certain breeds of dogs or large dogs period, regardless of what their company's overall policy is.

That's why it is very important to call several different agents within the same company & see which one has the space to write you & your home coverage.

As far as Farmer's & Farm Bureau go, we were dropped by both once they found out we had "pit bulls". With each company, we were given 14 days to find new insurance before our policy with each expired & if that were to happen, then we would've defaulted on our mortgage (which states we must have H.O.'s insurance at ALL times) & we could've lost our home.

My advice is to ask up front about their dog policy. This does not mean to blurt out that you have "pit bulls", hell, don't even say you own a dog, just ask what their policy is. This way should certain breeds be banned & you were about to get coverage with them, you can back out b/c in the even something happens with your dog, they will NOT cover it AND you will be dropped anyways! And if asked what breed of dogs you own, NEVER EVER lie! It could come back to bite you in th ass & possibly cause severe problems for your family.

The moral of the story is, it is your (& mine too) responsibility to find out all the facts about H.O. coverage. Just because they fail to say something about black listed breeds, doesn't always mean they don't exist or have issue with them. Don't play ignorant.....we can't afford it.

I do know that for the state of Louisiana, AllState, Farmer's Insurance, Farm Bureau, Liberty Mutual (aka Prudential), Banner, & AAA have blacklisted breeds & will NOT insure anyone owning these dogs. State Farm has by far been the best company to go with...all they wanted to know was if we owned large dogs (over 40lbs in their book) or small books & that was it. Heck, my agent has a gorgeous red/red nose female that he adopted & most of the people who work in that office own blacklisted breeds themselves (GSD's, Dobermans, Rotties, & Huskies).

EDIT: I also want to add that it's important & to think things out when getting your policy worked out. Although we weren't required to carry any certain limit of liability, I made the decision to up the liability amount based solely on the fact that we own animals....period. And not that I ever think my animals will hurt someone, but IF someone gets hurt on my policy, we want to be properly covered. And although we now carry more than 100,000 liability, I can tell you this.....a 100,000 policy cost us about $25.00 a year more than the lower standard one & IMO, it's stupid not to get it if you own ANY type of pet (or have a pool or other yard "toys" in which someone could get hurt).

[JuckingFerk]

We have State Farm here in Michgan. I called them to see if I could get a rider because of my dogs and they said not to worry about it. Also, my wife walks the dogs past the agents building and when we go in to pay they comment on how good the dogs look.

Ferk out

[bahamutt99]

We got renter's through State Farm including city-mandated liability to cover dog bites (BSL town). They were totally decent about it, just wanted to know if she'd ever bitten anybody. Our agent was a Pit Bull owner as well. State Farm is supposed to have a policy of acceptance across the board, with the exception of places like Ohio where they are de facto dangerous due to state law.

[Verderben]

We got renter's through State Farm including city-mandated liability to cover dog bites (BSL town). They were totally decent about it, just wanted to know if she'd ever bitten anybody. Our agent was a Pit Bull owner as well. State Farm is supposed to have a policy of acceptance across the board, with the exception of places like Ohio where they are de facto dangerous due to state law.Maybe that is why we were told no. We are in Ohio.

[Attila]

We have State Farm here in Michgan. I called them to see if I could get a rider because of my dogs and they said not to worry about it. Also, my wife walks the dogs past the agents building and when we go in to pay they comment on how good the dogs look.

Ferk out
I spent a great part of my youth in Gladwin Michigan. Both my Grandfathers were dog men and I just took over when they died. I never had issue till I bought a house in Saginaw. sold it about 45 days later and made $10,000. I was only on leave. Payed $28,000 put $6,000 into buying pain and siding and trim bought three kegs and got my cousins to help me do the work. Keep them drunk and working and they are happy. sold it for $45,000 on the market for five days. down in oakland county you can buy them pretty them up and they will be on the MLS for about 3 days some times. Or at least about 15 years ago. I don't know the market now. It got to be too much work. Yes I did pay them some money too. lol.

[Pitbull219]

So, do you believe that if you were not asked, yet it was against their policy to insure homes that had bulldogs, that in the event of storm damage/fire, they would pay, or would not have to pay? That is my delima. They didnt ask at first, and then the inspector saw I had a bulldog, yet they lost the report.I believe your situation is different from mine. I think since they came to meet my dog those years ago, I'm grand fathered in and that's why they didn't ask me anything about how many or what kind of dogs I own now. If they asked i would be totally up front with them. I think it would be up to the individual agent, whom we have always had a good relationship with. I don't see how they could avoid paying a claim were I to have one.

[BoiBoi]

Thanks for everyone's advice, i ended up calling a bunch of different companies and it looks like all of them have this same blacklist for specific breeds. Well what i ended up doing is saying that he's a mix (which he is) and when they asked me what kind is said a boxer mix, because he is half boxer, but i feel that if i would tell them the other part of the mix is pitbull they definately wouldn't insure me. So for now im gonna have to stick to my word that i only know the boxer side of his mix and hope that everything goes well until i can find one that doesn't discriminate.

[Chef-Kergin]

I have allstate here in OH. Our agent told us that they were fine with pets, but if there were ever *any* incdient involving our animals, whether it would be our JRT snapping the end of my nephew's fingertip off or any other incident, we would be dropped. That and they had to be kept on a lead in public, and not have to ability to "roam the neighborhood."

I just asked her what their policy on dogs was. That was her response. She said "she didn't have any particular dog she thought was dangerous." I told her we planned on getting an APBT in the near future. She asked to come by the house (agent was a woman my mom knew through someone somehow so it wasn't awkward), and she said it didn't seem like an "environment where the dog would be a problem."

She said follow all our city's laws and regulations, which is simply keeping the dogs registered and be able to prove they're up to date on shots if there were to be a biting accident, and there woldn't be a problem.

Just so happened she was the cheapest quote, so we went with her. ;)

[BoiBoi]

So i just talked to a state farm agent and they were the first one's not to ask about having a dog or not, so hopefully things will work out and i won't have any more drama with this whole mess

[JuckingFerk]

Attila, I am just south of Lansing. The only problem I have around here is my dogs are my asshole neighbors and the police chief. About 15 years ago he broke up a roll and they still run storys in the Lansing State Journal about how he broke up a "dog fighting ring". Every time someone gets caught doing what they say they shouldn't they always mention this jackass. My next door neighbor is a cop and he has no problems with my dogs.

Ferk out

[CorsoPit]

Just tell them you have a terrier. Its funny how they list pitbulls and rotties but they dont list filas, corsos, or other types of bully dogs.

[newbieturtlepits]

I hear ya, but what if your house burns, what will you do then when they do not pay? and they tell you to kiss their anus?
they pay if the house burns etc etc....they dont pay if someone sue you for the dog attacking them and you will be liable for all the money to be paid out in that case...
one thing has nothing to do with the other
if you need homeowner insurance you get that
and if you need a separate insurance for the dogs like they do in nyc then you get that ...liability insurance for the breed you choose... its just the way they compromised...i dont like it either but thats the way it is ....good luck

[newbieturtlepits]

by the way mine are so small they look like puggles and if i dont open my mouth and say they are pits nobody asks... their parents . people thought were some beagle boxer mix... i just dint say anything to correct them ...so if something does happen no one even knows they are pits .. theres a few people that ofcourse know they are but my nieghbors except for one ..loves them and dont mind at all... ive been keeping them indoors alot so the one neighbor doesnt have much to say.. soon as i get the rest of rennovations done a privacy wall is next on the list... as a retiree i just cant get up and move most houses now on the market are way more than my little house so i have to make it work for me and the surrounding neighbors.. funny but the one guy ..only seems to hate my dogs barking ...the lady with the four barking weiner dogs dont seem to bother him at all.. oh well ....best of luck and try finding an agent on line that doesnt ask that question then you got you covered becuz they didnt ask it to begin with....good luck

[purplepig]

Just tell them you have a terrier. Its funny how they list pitbulls and rotties but they dont list filas, corsos, or other types of bully dogs.
-OFF TOPIC-

What the heck is that your dog is tied to? Be carefull!!

-BACK TO THE REGULARLY SCHEDULED PROGRAM-

[Tahirah]

have you thought of insuring your dog it does not cost very much about 400.00 a year

[ghost 1]

So i just talked to a state farm agent and they were the first one's not to ask about having a dog or not, so hopefully things will work out and i won't have any more drama with this whole messi've had state farm BOI BOI for 17 years now and just had the main sewer get stopped up and had water run out in the 3 bathrooms and with all the claims adjusters and agent that came by and all the 3 played with the ones inside and outside,,,, they loved my dogs and i was just speakless to how open they we're with them,,,, State farm is also cheaper to me than any i've found,,,


state farm=== pit bull friendly