State Farm does not give one red rat’s ass what kind of dog you have.
Switch.
We did.
Your House Insurance? for Liability?
I have a heeler too, I get comments from some poeple that hate dogs that it is the 4th most likely dog to attack a human. But they don’t take into account that the heeler is just trying to herd people and nipping at your heels is natural for these dogs, they don’t do it to hurt.
They do fiercely protect you and your property, but that’s why you have a dog.
Did they deny you insurance or are they simply charging more for owners of dogs that have a stereotype history of violence? Charging owners of pit bulls more because of the dog, seems reasonable as the risk is higher.
I just changed homeowners coverage and I was asked a number of questions including whether I owned a dog. I suppose the agents have to ask now in view of all the idiot pit bull owners who let their dogs loose on everyone else. Anything in your home that could cause injury or damage for which the insurance company could be liable — these insurers want to know. They might have to set a higher premium or they might refuse coverage altogether.
A tip — rather than going to an agent for one insurance company, consider an independent. Independents represent more than one insurance company, so they can shop for the right coverage at the best price. My former carrier had jacked up my premium. My new insurance will be $300 less.
Insurance companies are nearly as big a threat to liberty as the government.
It is THEIR insurance company. Their property. Find another one or start your own.
Good grief, we have turned in to such a nation of complainers.
We have a Chow.
Our Homeowners Insurance had that Breed of Dog on their Exception List. Simply stated, if the Dog Bit someone, the Insurance would not cover the Liability Claim.
They did not refuse to Insure us or ask for a Higher Premium.
When I called about insurance on my mountain cabin the first thing they asked me was did I have a dog. I said a Beagle. Then they asked if he ever bit anybody. Then when I switched insurance on my house same deal. I said at that point a Chihuahua and a Beagle and they asked if the Chihuahua had ever bit anybody. The one company told me there are 5 breeds they won’t insure. One was Pit Bull and one was Rotweiler. I can’t remember the others.