Have you always wanted a large, purebred dog? One with the heart of a lamb, or maybe the courage of a lion? And now you’ve finally found one? However, before you hand over the money for that beautiful Akita, Doberman, or Rotten-weiler … er, I mean … Rottweiler … remember this. Insurance companies discriminate against certain breeds of dog.
Egads! That seems so unfair. Isn’t it illegal for someone to tell you what kind of dog you can own? You have your rights. Right? Right!
It might be unfair, but it’s not technically illegal. The insurance company isn’t preventing ownership, they’re just refusing to insure. No doubt it makes your blood boil, but it’s pretty tough to fight city hall. So, instead, here are a few options.
Pick and Choose (Purebred Dogs)
Not every large dog is on the “hit list.” If you were toying (ha, “toy” — no pun intended) with the idea of a Siberian Husky, but you’d be just as happy with a Bouvier, then it’s obvious what to do. However, if you’ll wither and die without that Husky, then …
Pick and Choose (Insurance Companies)
Check the lists online, and you’ll notice some insurance carriers have one purebred dog on the list, while another has a different one. Well, actually, most of them have quite a few dogs, but they aren’t all the same. If your current insurance company won’t insure against Husky ownership, perhaps another company will. Just make sure you have the facts before you fork hard-earned cash over to a breeder, and before you swap insurance companies.
Purchase Dangerous Dog Liability Insurance
This is an alternative that might not be available to the general public yet, but is there for rescue homes, foster homes, and trainers. Yes, the cost will be in addition to your regular homeowner’s premium, but it’s worth it in the long run.
More than You Can Chew
You might be able to fool your insurance company by not telling them you’ve bought a dog that’s on their hit list. Well, for a little while. But, when they find out, they’ll drop you like a wiener that’s hot off the grill. Then, when you apply for new insurance elsewhere, you’ll have to disclose you were dropped by another company.
And what if you do manage to keep it a secret … until your dog bites someone, (or even just jumps on them, knocks them down and they hit their head) and your agent discovers the company is slapped with a $40,000 claim?
Well, in that case, it seems that you — and your dog — will have bitten off more than you can chew.
“Breed Specific Homeowner’s Insurance, Association of Pet Dog,Trainers Position Statement,” apdt.com.
Embedded links listed above.
Personal experience with dogs.
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