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Q: homeowners insurance

July 7, 2008 | By Grzzes | 7 answers | Expired: 2221 days ago

homeowners insurance

my insurance carrier cancelled my policy because they think i have a german shepard. i have an austrailian shepard. is pet profiling very common? they never met Peaches. i am very upset and am looking for a new carrier. 12 years after i have my Peachie they want to cancell because of her. we raised 3 children and never had any type of problem with her. she is a good friend and a good watch dog...i guess the company does not condider these things important.

Readers' Answers (7)
Jessica H.
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Jul 07, 2008

I have been told that, unless you have papers, always always ALWAYS put down "mixed breed", even if you KNOW your dog is 1/2 one thing and 1/2 another, do not even speculate about what the predominant breed may be, ALWAYS put mixed breed because it can save your butt.

Try contacting your local humane society and see if you can't talk with a "pet lawyer" or "attorney" who is familiar with these situations. Sadly, they are not uncommon, and I HAVE heard of this happening before. In fact, oddly enough, the lady this happened to also had an Aussie mix, and when she wrote "Australian Shepherd" on her homeowner's insurance questionnaire, they cancelled her policy, too.

I own two Aussies, and they have never chewed on anything, and the only accidents they have in the house are when we don't let them out or crate them while we're gone. Compared to other dogs I've met, dog sat, or even owned in the past, my dogs are ANGELS. However, all the insurance agents see is the breed's name in black and white.

See if you can't consult with some type of attorney who is familiar with this type of situation, and in the future (even when you go to a vet and fill out the profile for your dog) ALWAYS ALWAYS ALWAYS PUT DOWN MIXED BREED!

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Debra  B.
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Jul 07, 2008

I have never heard of that befor, I had a german shepard,and my insurance carrier knew about it. and never raised or changed my policy the whole time I had the dog.
I would look for a new carrier.

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Anonymous
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Anonymous

Jul 07, 2008

I am aghast by this~ I feel this is illegal.Contact your State Insurance Commissioner as this is his job.I feel this is profiling.So in the meantime you home goes unprotected? Your commissioner should be able to work this out.I have used mine prior. Its free.If you need a lawyer you can contact a civil rights group,they work for free if you need that.I am puzzled as I know many homeowners with shepherds and they have never had questions over their dog. Has you dog bitten anyone? I feel there are other reasons and this maybe an excuse.In any case the State Commissioner or the Civil rights lawyers should be able to make contact and work this out. I feel your insurance company maybe pulling a fast one. If you dog hasn't bitten anyone or caused a threat. You truly need to get on the phone and get on this fast. Your home is not protected due to this. Please post an update as I truly would like to see the outcome of this. Possibly another contact for rules and regulations "maybe" the ASPCA? They may know of some issues with insurance companies. I would go through my State people first and the lawyers. I don't like to cause problems but something smells odd here. Hope to hear a positive update.

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