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Legal Stuff (Homeowners' Insurance, Bites, etc.) #192194
11/06/11 09:54 PM
11/06/11 09:54 PM
Joined: Feb 2010
Posts: 2,032
MA
shepnterrier Offline OP
Pooh-Bah
shepnterrier  Offline OP
Pooh-Bah

Joined: Feb 2010
Posts: 2,032
MA
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/

Last edited by MaxaLisa; 11/11/11 09:06 PM. Reason: made title more general, please feel free to add to the thread!

Sarah
Chip vom Dog Pound, border terrior, Director of Rodent Control, CGC
Elly von Rescue, GSD, CGC, HI(C)
Captain Jack, Mama Blue, Little Orca, Bübchen, Tux, Cherub (pocket lions)

Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: shepnterrier] #192197
11/06/11 10:55 PM
11/06/11 10:55 PM
Joined: Feb 2010
Posts: 11,815
Los Lunas, NM
Kayos Offline

Can't Figure Tech Stuff Out
Kayos  Offline

Can't Figure Tech Stuff Out

Joined: Feb 2010
Posts: 11,815
Los Lunas, NM
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.


Kathy

PAM, URO3, UCD, UACH Tidmores Rising Star Lydia "Mayhem" CD,BN,RE,AX,AJP,OFP,P1J,CA,DJ,HT,TKN,TC,CGCU, RATN 4/4/12
Jeli, (Pembroke Welsh corgi) CGC, RATI 5/13/19

Lucky, Wolf, Max, Kayos, Havoc - gone not forgotten. gsdhalo
Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Kayos] #192211
11/07/11 12:32 AM
11/07/11 12:32 AM
Joined: Feb 2010
Posts: 5,451
Massachusetts
Braverhund Offline
Carpal Tunnel
Braverhund  Offline
Carpal Tunnel

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Posts: 5,451
Massachusetts
Thank you for posting these, Sarah! goodjob


Patti
Frauchen von:

Grimm van den Heuvel, "Donnerpratzen"
Smokey The TeddyLion, DLH purrbuddy

Dir gehört mein Herz
Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Braverhund] #217346
03/06/12 04:26 PM
03/06/12 04:26 PM
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Posts: 2,579
S
Shilohsmom Online content
Carpal Tunnel
Shilohsmom  Online Content
Carpal Tunnel
S

Joined: Feb 2010
Posts: 2,579
Great info! Thanks for posting.


Rosa

Proud Mom to Kody and Sasha
and never to be forgotten, Shiloh, Shoshi and Eli
Every dog deserves to have a human that thinks its the greatest dog that ever lived!
Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: Shilohsmom] #217401
03/06/12 10:54 PM
03/06/12 10:54 PM
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Posts: 4,966
Ohio
PositiveDog Offline
Carpal Tunnel
PositiveDog  Offline
Carpal Tunnel

Joined: Feb 2010
Posts: 4,966
Ohio
Allstate has never been the least bit concerned that I have (and have had in the past) German Shepherds.


Bonnie

With approval of my friends:

SamCat, 03/2011
Bennie the 12 1/2% GSD 02/2013

Seiko, Solo, Sophie, Skye and Buddy - bridge dogs who taught me so much
Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: PositiveDog] #234660
06/06/12 02:36 PM
06/06/12 02:36 PM
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Posts: 692
Georgia
SouthernThistle Offline
Addict
SouthernThistle  Offline
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Posts: 692
Georgia
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


Shel & Andrew
Odin von Schott Haus (GSD) - CGC, DJ, TKN
Gidget (GSD wannabe)
Grimm (GSD)(gone but not forgotten)
Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: SouthernThistle] #253651
09/25/12 05:43 AM
09/25/12 05:43 AM
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Posts: 19,670
Northern CA
MaxaLisa Offline

Global Moderator
MaxaLisa  Offline

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Joined: Jan 2010
Posts: 19,670
Northern CA
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


MaxaL (aka LisaT)

Jazmine, mini-mix, 10/18/2011
Max-n-Indy
Max, 5/2001-2/2012, RIP my partner, my Regal Boy
Indy, 5/1997-10/2010, RIP my friend, my teacher

Health Index
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Re: Homeowners' Insurance, Dog Owner Liability Insuran [Re: MaxaLisa] #271360
02/13/13 01:41 AM
02/13/13 01:41 AM
Joined: Jan 2010
Posts: 19,670
Northern CA
MaxaLisa Offline

Global Moderator
MaxaLisa  Offline

Global Moderator

Joined: Jan 2010
Posts: 19,670
Northern CA
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


MaxaL (aka LisaT)

Jazmine, mini-mix, 10/18/2011
Max-n-Indy
Max, 5/2001-2/2012, RIP my partner, my Regal Boy
Indy, 5/1997-10/2010, RIP my friend, my teacher

Health Index
K9 TBD info and Tick List Links
http://www.rabieschallengefund.org/
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