I have three pitbulls that I have had for five years. Now I am trying to buy a house and I know it’s going to be a problem trying to get HO Ins. Is there any way around getting the ins. with the dogs?

 

  • fairly smart 12:04 am on February 10, 2010

    Well, if you don’t mention them, they won’t cover you when you get sued my someone, if your dogs attack.

  • brainstorm 12:04 am on February 10, 2010

    no

  • Barbi 12:04 am on February 10, 2010

    Unfortunately, no. Coming from a pitbull owner and lover myself, you definitely have to disclose all your information, especially those dogs considered ‘dangerous’. If not, you could get in serious trouble later on. It’s best to buck up and tell them and pay the little bit more you have to.

  • cherrybomb 12:04 am on February 10, 2010

    not unless you keep them at someone elses house

  • Nikki T 12:04 am on February 10, 2010

    Unfortunately no, if you are found out it can lead to helfty fines or losing your insurance all together.

    Go to an independent insurance agent, they can shop around and you get the best deal, with the dogs, That is what my parents did when they bought their new house, they rescue Rotts, I believe they have Allstate.

  • Vince M 12:04 am on February 10, 2010

    You get around this by lying.

    Problem is, if you make a claim against your policy and they find out, not only will your claim be denied, they may decide to sue YOU for fraud.

    Your claim may not even have anything to do with the dogs, lets say a backyard shed catches fire. If an adjuster comes and sees evidence of a dog, and this information was required by your policy application, this may cancell out ALL your coverage and may affect your ability to get coverage in the future.

    Best bet is to fill out any information they ask for. Even if you think it’s none of your business, if you sign the bottom of the application that the information is true, they can sue you for perjury if it is not.

    The problem with lying is that you have to maintain the lie. Not an easy thing to do for an extended period of time. AND, you have to get the whole rest of the world to lie for you. Not possible. All it will take to catch you at a lie will be a few questions asked of your neighbors on either side of you. And the ones behind. And the ones at the corners of your property. And the ones across the street.

    And their kids and their friends.

    Even you, yourself recognize the risks, as indicated by the fact that you mention Pit Bulls, by breed. If they are genuinely no risk to you or anyone else, then there is no reason to lie. If the dogs even MIGHT be a risk, all the more reason to include their presence on the application.

  • WilloWitch 12:04 am on February 10, 2010

    If you are going to be a responsible dog owner, you MUST own up to it and pay the extra money. It’s a choice you made when you took on that particular breed. Also, you may want to check on BSL in the area you are looking to move. That’s Breed Specific Legislation, some communities have banned dangerous breeds such as pits, presos, corsos, brasileros, etc. The dogs that are used for fighting and killing people.

  • pharfly1 12:04 am on February 10, 2010

    I would contact your local city haqll and ask if there is any restrictions on pitt bulls, here they require the home owner to take out liablity insurance. IF there is a restriction, you can get around it by saying the dogs are staffishire terriors, I know a lady who ownes a pit and has her liecenced as a staffy so she doesnt’ have to follow the stupid restrictions here. The pit bull bylaw here is, the dog must be contained in a chain link dog pen, with a roof and concrete floor, and must be locked at all times, when in the house the dog has to be with an adult at all times, when being walked the dog must be muzzeled, the home owner must have 1/2 million liablity insurance in their home insurance.

  • mustanglynnie 12:04 am on February 10, 2010

    Years ago, I had Rottweilers & State Farm Homeowners insurance. Their policy was not restricted by breed, but by deed (as they ALL should be): if our dog bit someone, they would pay…but only once. After that, it would be on our shoulders. I have also heard in the past that Nationwide insurance does the same. I don’t know if either of these companies still do not discriminate by breed, but some companies do & some don’t. Call around & ask till you find the ones that don’t, and get quotes.

  • lawrencevictoria2000 12:04 am on February 10, 2010

    Go to State Farm ,they are the best insurance around when it comes to the black listed breeds.They have no black listed breeds. All State is the worst insurance company to go to.Pits are at the top of the list that they will deny.I’m with a private comany for my dogs which works for me.

  • heather 12:04 am on February 10, 2010

    my husband and i have a pit and we also own our own house. when we were getting the quote for insurance they asked us if we had any german shepards, rotties, pits or any other kind of dog and we told them that we did have a pit he told us that they (state farm) does not care about dogs it is just one of the questions that they ask because they then explain to you that they will only pay for dog bite once then you are resposible for the bills after that so i would suggest state farm their are alot of companies that will not cover you if you have an "aggressive breed" just call around and ask the quotes are free

  • Crazy dog lady 12:04 am on February 10, 2010

    apply to different companys. some will not cover you if you have pitt bulls, others will. it’s probably a very bad idea to lie about it… they could drop you are deny a claim if they find out.

  • Heather P 12:04 am on February 10, 2010

    No pit bulls can be dangerious so you have to disclose that info.If you try to lie and something happens you will be liable in more ways than you know.I think that if you are a responsible pet owner you would want to protect yourself and the dogs just in case anything ever happened.

  • juicyfruitishandsome 12:04 am on February 10, 2010

    don’t know but you should. if anything ever happened on your property and you never disclosed that, they ll probably find you liable

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