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Q: homeowners insurance

July 7, 2008 | By Grzzes | 7 answers | Expired: 2348 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.

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Kara S.
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Jul 07, 2008

I guess this is more of a comment than an answer but I think your insurance company needs a lesson in dog breeds lol. I go through Farm Bureau and the only breeds they're really concerned about are pit bulls, and Rotties. I had a German Shep. and a Boxer and they didn't give us no problems over our policy. Good luck to you though!!! I'm sure something will work out! =-)

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Anonymous
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Anonymous

Jul 07, 2008

Thanks for the tip about the mixed breed! I never heard of that, although when I had dobes as business guard dogs, we had regulations about signs and such, but never threats of cancellation. Wonder if most companies are doing that now? I'd like to know which ones do so I don't give them any business. They might be interested to know my cat put more marks on me than my dobes ever did when I first got him and he was an angry guy.

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Jessica H.
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Jul 07, 2008

Also, it is not illegal if they have it in their policy a list of breeds that are and/or aren't acceptable, so always read all the fine print first! Sadly, you may write down "Australian Shepherd", but all they see is "Shepherd" and - BAM - you have BSL. Again, always write "mixed breed", not even "shepherd mix", "aussie mix", "bully mix", etc as that can also get you into trouble with stuff like that, just plain "mixed", nothing special added on! In fact... I would even write down "mixed" even if you do have a purebred pup just to save yourself some grief in the long run.

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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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Marta J.
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Jul 07, 2008

In NY companies have lists of breeds that are not "acceptable" in their companies and it's legal. Some that I know of are shepherds, dobermans, rotts and of course pitbulls, which I have 3 of. All my dogs are listed as mutts, but I hear some states are going to be checking on all dogs that are listed as mixed breeds to see what they think they really are. Instead of wasting money doing something like that, they should be spending it on going after stupid owners who don't control their own dogs that are causing all these problems. My dogs are tested therapy dogs and very well behaved as I'm sure many powerful breeds are. Again I say it's not the breed, it's the owner and owners with good dogs should not be penalized for the bad owners.

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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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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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