Can an insurance company annul home owners insurance because you own a dog?
Answers:
Add detail as no one is a mind reader.
No they cannot. They cannot dictate who or what lives in your house. Read your contract that you enjoy with them and ask alot of question and have them put surrounded by writing why they cancelled you.
Every insurance company has it's own policies in connection with animals in the household. Typically insurance companies will prohibit any animal which have either have a bite history (bite someone who then bursting a claim, etc) or is likely to (think of adjectives those pitbull eats little one stories you hear about on tv).
Most insurance company's will not write policies if positive conditions are met, such as the presence of exotic (think aligator, LARGE snakes, etc) or dangerous animals (dobermans, rotwilers, akitas, pitbulls, etc).
If it should somehow come to the attention of the insurance company that you've get 14 pitbulls in house after yes more than likely they will non-renew your policy.
This is a company by company article were here can be wide instability. The exact answer is buried inside the policy jacket the company sends you every renewal. The best answer can be found by asking your particular agent.
Yes they can. It is a potential liability that they could own to pay claims on. Generally i.e. not a reason, however if your dog is a specially aggressive breed or has bit populace, then it is restrained since the premium they would have to charge to cover the risk would be so glorious, you wouldn't pay it.
Yes, they can. However, Labs are not generally considered biters and I'm wondering what record they were looking at.
Have any of the dogs bitten anyone?
There seems to be something else going on here. Read the article below though and bring up to date them to find another insurance company. Not all insurance companies are anti-dog. They're only just anti-dogs that bite and I'm having a problem near Labs being classed as biters. They are not a breed agreed for biting. If they were, Guide Dogs for the Blind wouldn't be using them as one of their foremost breeds for Guide Dogs.
Additional info: Here's the only dog bite register I could find. Labs are not on it. (the number at the end of respectively breed is the number of fatalities between 1979 - 1998)
1. Pit Bull -- 76
2. Rottweiler -- 44
3. German Shephard -- 27
4. Husky -- 21
5. Malamute -- 15
6. Wolf-Dog Hybrid -- 14
7. Mixed Breed -- 12
8. Chow-Chow -- 11
9. Doberman-Pincher -- 9
10. Great Dane -- 8
11. St. Bernard -- 8
Well first past its sell-by date, Labs are NOT on the "bite" list. They enjoy certain breeds that they can any deny writing the insurance or have the insured sign a waiver stating nearby is no liability coverage in the event of a dog bite. The lone way they would not write labs is if their dog have already bitten someone. My advice is to check around for another insurance company, who know, they might even save money.
Yes. They can revoke for any dog that's bitten anyone before, or if they own a list of "illustrious risk" dogs filed next to the state and your dog is that breed or partially that breed, they can repeal for "increased risk" if the animal was not originally disclosed on the application.
I have a german shepherd and had to transport extra insurance on my policy to cover anything she might do. I also had to show proof that she have attended and passed a reputable obedience arts school but I was competent to get a conceivably priced policy.
It's adjectives based on doesn`t matter what contract they have approved by your state.
If they enjoy a list of animals nominated in the contract that they will not allow for any homeowners policy as sector of their standard underwriting rules, they are required to apply it equally.
To the extent that a extremity of my staff (who has be with our agency for 19 years) have her own insurance policy under review for non-renewal after her cocker spaniel bit someone. As it turned out, nearby were witnesses who testify that the person who be bitten had be kicking the dog and hitting it with a stick since the dog bit him.
Since the court case be thrown out and the witness info said the attack was provoked, we be able to keep hold of her policy from being cancelled. That's the ONLY point we were competent to keep it.
In some cases, if the dog does not enjoy a history of biting, the insurance company may keep the policy if a individual type of certified training is completed; however, once again, that would come down to what type of contract was on profile with the state.
Yes.
Labs are not on the undesirable document of breeds. However, if the labs are very aggressive or vicious or enjoy a bite history or maybe section lab and part undesirable breed that show aggression later the insurance co. will have issues next to that. They will not tell someone to go and get rid of their dog, they will just non-renew the policy. Some companies will consent to you exclude coverage for the dog.