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Sun Jul 28, 2013, 12:29 AM

Home owners or renters insurance coverage (breed)

We were doing a review of our renters insurance and realized our policy doesn't cover certain breeds of dogs. After doing some research, we finally ended up changing our auto and renters policy over to USAA. They didn't even ask what breed.

Pit Bull now covered. Sadly, the chihuahuas are the ones I worry about.

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Arrow 7 replies Author Time Post
Reply Home owners or renters insurance coverage (breed) (Original post)
astonamous Jul 2013 OP
Behind the Aegis Jul 2013 #1
astonamous Jul 2013 #2
Behind the Aegis Jul 2013 #3
astonamous Jul 2013 #4
Curmudgeoness Jul 2013 #5
IrishAyes Aug 2013 #6
Curmudgeoness Aug 2013 #7

Response to astonamous (Original post)

Sun Jul 28, 2013, 12:34 AM

1. What do mean "covers breeds of dogs?"

I have USAA homeowner's insurance (and 4 Chihuahuas). I am very curious.

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Response to Behind the Aegis (Reply #1)

Sun Jul 28, 2013, 03:41 AM

2. Progressive and some other insurance

companies don't cover some dog breeds such as "pit bulls" rottweilers, dobermans, german shepherds, mastiffs, etc... even if there is no history of a dog bite or any other aggressive behavior.

We switched to USAA because they don't have any breed restrictions. Paying a little more but its worth it.

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Response to astonamous (Reply #2)

Sun Jul 28, 2013, 04:08 AM

3. Oh, OK....I thought you meant there was an insurance on the dogs.

That would rock. I like USAA. They are quick and easy to work with in any situation.

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Response to Behind the Aegis (Reply #3)

Sun Jul 28, 2013, 11:45 AM

4. I'm glad we switched.

We could have purchased a policy from another company and kept our auto insurance with progressive, but I felt that the discrimination of dog breeds is another form of prejudice I don't want to support.

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Response to astonamous (Original post)

Sun Jul 28, 2013, 01:34 PM

5. It is sad to think that some dogs are judged

by the breed instead of the dog. I have to agree that pit bulls are often just little teddy bears. I often worry about the numbers of pit bulls in shelters who would make excellent pets, but people are afraid to have them because their insurance companies are discriminating.

Thanks for the heads up on USAA.

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Response to Curmudgeoness (Reply #5)

Sat Aug 3, 2013, 03:49 PM

6. When I first retired and moved

to this little flyspeck remote town in the MidWest, I was lucky that I got insurance at all with my chows. They've been on a growing number of companies' hit lists. That's not the reason I got the two dogs I have now, small ones, but believe me - unless the chows had perceived a threat to me, these two small dogs would be the liklier pair to bite. The JRT is just as fearless as a chow, and I think perhaps as protective. I don't think she'd really make breed standard, either, because she's a bit overgrown. During the recent firecracker season, her first, she literally roared and charged the fence every time fireworks exploded anywhere. Had to keep her inside more because she stayed in such a fury. More than a mere watchdog, she is.

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Response to IrishAyes (Reply #6)

Sat Aug 3, 2013, 04:00 PM

7. Your comment brings up a better way to deal with this.

It seems that it is the individual dog, and not any breed, that can tend to bite or do damage. I would think that dogs should not be a factor in insurance at all unless there is a incident that indicates a problem. Then I can see why an insurance company would want to cancel coverage----or better yet, just not cover any incident with the dog. Why people cannot get homeowner's insurance because they own a dog is beyond me.

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