Rottweiler homeowners insurance

[=River Perfection=]

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[Cole Trickle]

Can you reinstate your old policy?

You might be able to find someone to write it with a company that allows you to exclude Dog liability. Most main line carriers won't cover Pits and rottweilers.
Owning 2 will not make it easier...

 

[RitcheyRch]

Good luck and thats one beautiful Rott

Recently switched to give business to a friend and the Insurance provider sent a survey co out that reported my Male Rottweiler. They sent me a cancellation letter if I do not get rid of the dog. Assholes!! So.. who will cover us in California? We will be bringing a female puppy rott home next month as well and I don't want to lie about my dogs.

Thanks Geoff

 

[Gelcoater]

Recently switched to give business to a friend and the Insurance provider sent a survey co out that reported my Male Rottweiler. They sent me a cancellation letter if I do not get rid of the dog. Assholes!! So.. who will cover us in California? We will be bringing a female puppy rott home next month as well and I don't want to lie about my dogs.

Thanks Geoff

State Farm.
They don't discriminate on breed,but bite history.
If your dog has no bite history they will cover you.

 

[boatpi]

It is all about risk, like having a DUI on your driving record, pay the premium or like u a non renewal.

No insurance company will write my rentals with certain breeds of dogs. Pits, Akita , many terriers , etc.

 

[ONE-A-DAY]

If you need some help with this let me know.

 

[Riverbound]

State Farm.
They don't discriminate on breed,but bite history.
If your dog has no bite history they will cover you.

I had mine through State Farm as well with two rotts. My ex still has the same house policy with one Rott.

 

[Boatracer36]

I can Help you out. Stern Insurance 949-632-4500 Brad

 

[HALLETT BOY]

I've never heard of a house with any type of dog inside being broken into ...and what about all these meth labs and renters
with pits on the premises ? do they not have insurance ? oh the horror ...

 

[koenig]

I'll second or third the state farm. I seem to remember them as the go to on a Rottweiler forum that's about the size of this site. Its who I used when living in WA, with 3 Rottweiler's.

 

[Parker Dreamin]

give Jake a call....

 

[Riverbound]

give Jake a call....

She sounds hideous....

 

[Advantage 1]

She sounds hideous....

Well, she's a guy, so...

 

[Gelcoater]

I've never heard of a house with any type of dog inside being broken into ....

I have.
My parents were robbed last year,two Golden Retrievers.They probably brought the thieves tennis balls to throw,lol.
It was probably kids,happened in summer time,amateur hour.
They made away with some jewelry,high end perfume,loose change and some cash in the desk.
They did not hurt the dogs or go after things like the laptop,the guns,X-box or the like.
All in all maybe 5-7k worth of stuff,the jewelry has more sentimental value then street value.
That brings me to this point.
The insurer would rather deal with that 7-10k claim as opposed to the huge medical bill from the physical damage done to the body by the dogs on the "dangerous breed" list.
Lets face it,an Akita,a Rottie,a Doberman,most all of the dogs on "the list" can flat fuck someone up,and in many instances(like at my house) there's more than one of those dogs.(But at the same time,no one has broken in here)
The ER bill alone is beyond the replacement costs that may have been stolen,add reconstructive surgery bills,pain and suffering,possible loss of ability to work temporarily,etc,etc,etc.
It's a business.From their view point I can hardly blame them.Personally,if that were my business and I made the rules I would cover all breeds,but the ones in the list would be paying a much higher price than say,the guy with a couple of Pugs or something.

 

[Skinny Tire AH]

I have.
My parents were robbed last year,two Golden Retrievers.They probably brought the thieves tennis balls to throw,lol.
It was probably kids,happened in summer time,amateur hour.
They made away with some jewelry,high end perfume,loose change and some cash in the desk.
They did not hurt the dogs or go after things like the laptop,the guns,X-box or the like.
All in all maybe 5-7k worth of stuff,the jewelry has more sentimental value then street value.
That brings me to this point.
The insurer would rather deal with that 7-10k claim as opposed to the huge medical bill from the physical damage done to the body by the dogs on the "dangerous breed" list.
Lets face it,an Akita,a Rottie,a Doberman,most all of the dogs on "the list" can flat fuck someone up,and in many instances(like at my house) there's more than one of those dogs.(But at the same time,no one has broken in here)
The ER bill alone is beyond the replacement costs that may have been stolen,add reconstructive surgery bills,pain and suffering,possible loss of ability to work temporarily,etc,etc,etc.
It's a business.From their view point I can hardly blame them.Personally,if that were my business and I made the rules I would cover all breeds,but the ones in the list would be paying a much higher price than say,the guy with a couple of Pugs or something.

Great post.

Same exact reason Skaters with 4,000 hp are nearly uninsurable. I understand folks whom dig these breeds. However, the odds are against you. I have a friend who's child is permanently disfigured by a Rot. The lawyers are still fighting any the numbers involved are staggering!!!

 

[ductape1000]

I have.
My parents were robbed last year,two Golden Retrievers.They probably brought the thieves tennis balls to throw,lol.
It was probably kids,happened in summer time,amateur hour.
They made away with some jewelry,high end perfume,loose change and some cash in the desk.
They did not hurt the dogs or go after things like the laptop,the guns,X-box or the like.
All in all maybe 5-7k worth of stuff,the jewelry has more sentimental value then street value.
That brings me to this point.
The insurer would rather deal with that 7-10k claim as opposed to the huge medical bill from the physical damage done to the body by the dogs on the "dangerous breed" list.
Lets face it,an Akita,a Rottie,a Doberman,most all of the dogs on "the list" can flat fuck someone up,and in many instances(like at my house) there's more than one of those dogs.(But at the same time,no one has broken in here)
The ER bill alone is beyond the replacement costs that may have been stolen,add reconstructive surgery bills,pain and suffering,possible loss of ability to work temporarily,etc,etc,etc.
It's a business.From their view point I can hardly blame them.Personally,if that were my business and I made the rules I would cover all breeds,but the ones in the list would be paying a much higher price than say,the guy with a couple of Pugs or something.

And the worst part is they are paying this to the thief who thought they could break into your house. [emoji107]

 

[Gelcoater]

Great post.

Same exact reason Skaters with 4,000 hp are nearly uninsurable. I understand folks whom dig these breeds. However, the odds are against you. I have a friend who's child is permanently disfigured by a Rot. The lawyers are still fighting any the numbers involved are staggering!!!

Yeah,the lawyers fees are a whole other aspect of that deal.Those costs probably outweigh the medical costs.
At the end if the day,"we" the owners of of the breeds on the list have to be responsible.
Sorry about your friend.

 

[Gelcoater]

And the worst part is they are paying this to the thief who thought they could break into your house. [emoji107]

I can only speak of the past...not my house


As to the future,anything is possible.

Edit**
I guess there is more to it then my response or your post.
The insurance co is looking at it from all angles.
Sure,a thief can sue you because your dog mauled him.
But the other end is the variables.
Little Johnny whacks his ball into your yard and goes through the fence to get it,and is jacked up by the dog.
Your kid leaves the gate slightly ajar and the dog gets loose and takes out the neighbors purse dog,etc.
The gas meter guy got too close and the dog goes over or through the gate to get him,on and on and on.
All the kids in this neighborhood know if a ball goes over the fence and I'm not home,it's gone!
It has been explained to them that while the dogs are welcoming of them when we are home and we let them in it should not be expected that the dogs will welcome them if we are not home.
I laid it out pretty straight up to all of them.Im not sure what else I can do besides that and locking the gates when we leave.

 

[Cole Trickle]

That brings me to this point.
The insurer would rather deal with that 7-10k claim as opposed to the huge medical bill from the physical damage done to the body by the dogs on the "dangerous breed" list.
Lets face it,an Akita,a Rottie,a Doberman,most all of the dogs on "the list" can flat fuck someone up,and in many instances(like at my house) there's more than one of those dogs.(But at the same time,no one has broken in here)
The ER bill alone is beyond the replacement costs that may have been stolen,add reconstructive surgery bills,pain and suffering,possible loss of ability to work temporarily,etc,etc,etc.
It's a business.From their view point I can hardly blame them.Personally,if that were my business and I made the rules I would cover all breeds,but the ones in the list would be paying a much higher price than say,the guy with a couple of Pugs or something.

This is refreshing to hear from a consumer point of view......

You would be amazed by my daily conversations with customers. They think insurance is a goverment subsidised program that there guaranteed to always get for a cheap price. I have had to deal with alot of these situations and it's never pleasent because people love there dogs... Insurance companies only see's numbers and statistics. If there is a certain driver, Dog or car that is causing them to loose $$$ then they will alter the program or pricing to deny or charge more for this item.

Nobody ever uses there insurance or has a dog that bites or a driver that crashes until they do.....Lets say you pay $1000 a year for homeowners insurance and have been a good client for 20 years. It takes 1 medium sized claim for you to go from profitable to a loss leader. If your risk still looks good they will probably keep you with the hopes that you might go 30 years before your next claim. For every good client I have I have 3 shitty ones that have been insured for 2 years and turned in $30,000 worth of claims. The insurance company will never ever get this $$$ back from your premiums and will at times shoose to part ways (non renew). It's not personal it's business.

I have several families that I would love to get rid of from my book of business becuse they hurt my loss ratio and make the rates worse for the good clients.

Certain Dogs are alot like young drivers with a new mustang cobra. Is there a chance that everything will be fine and there will never be an issue???. Absolutley.... there is a 15% chance that that dog won't bite someone or that kid won't loop his car and hurt his friends. Statistics prove that these are bad risks and you are either going to pay a higher premium then the guy with the Pug/kid with a 89 Dodge caravan or get non renewed and hope you get lucky finding a company that will take the risk.

 

[Gelcoater]

This is refreshing to hear from a consumer point of view......

You would be amazed by my daily conversations with customers. They think insurance is a goverment subsidised program that there guaranteed to always get for a cheap price. I have had to deal with alot of these situations and it's never pleasent because people love there dogs... Insurance companies only see's numbers and statistics. If there is a certain driver, Dog or car that is causing them to loose $$$ then they will alter the program or pricing to deny or charge more for this item.

Nobody ever uses there insurance or has a dog that bites or a driver that crashes until they do.....Lets say you pay $1000 a year for homeowners insurance and have been a good client for 20 years. It takes 1 medium sized claim for you to go from profitable to a loss leader. If your risk still looks good they will probably keep you with the hopes that you might go 30 years before your next claim. For every good client I have I have 3 shitty ones that have been insured for 2 years and turned in $30,000 worth of claims. The insurance company will never ever get this $$$ back from your premiums and will at times shoose to part ways (non renew). It's not personal it's business.

I have several families that I would love to get rid of from my book of business becuse they hurt my loss ratio and make the rates worse for the good clients.

Certain Dogs are alot like young drivers with a new mustang cobra. Is there a chance that everything will be fine and there will never be an issue???. Absolutley.... there is a 15% chance that that dog won't bite someone or that kid won't loop his car and hurt his friends. Statistics prove that these are bad risks and you are either going to pay a higher premium then the guy with the Pug/kid with a 89 Dodge caravan or get non renewed and hope you get lucky finding a company that will take the risk.

all I can do is try to live in reality.
I have dogs on "the list",it's important to understand both sides of a business arrangement.

Do you insure homes with dogs on the list?
I wouldn't knock you either way,but it's always good to know alternatives.

 

[grumpy88]

I remember my friend had the same thing happen last question he said . When he told them rottweiler they said no thanks . He was so pissed . Dog would never hurt a fly . Some time later was not a fly . His dog broke through the fence and killed a neighbors dog . I'm a dog person and when people ask if my pit bull is nice I say yes but it is a dog .

 

[CampbellCarl]

Several years back, 'Tramp' an abandoned female German Shephard adopted me and 'Harley' (female Weimer). Tramp lived next door (vacant for sale house) when I bought the place I'm at now. After a year or so, homeowners sent out somebody for a drive by and cancelled because Shephards were also on their list.

Serves me right to be cancelled....all I did was adopt, care and feed an abandoned soul......

 

[Cole Trickle]

all I can do is try to live in reality.
I have dogs on "the list",it's important to understand both sides of a business arrangement.

Do you insure homes with dogs on the list?
I wouldn't knock you either way,but it's always good to know alternatives.

My main line company flat out won't write them. I have 1 or two other companies that are a lot more and then make you sign a dog liability exclusion.

I would check with State Farm I think they will do it if the dog has no biting history.

 

[Hammer]

My brother is faced with a similar dilemma with his pit, no one will rent to him. He will live in his truck before he gives up his dog. Sucks, she's a good dog...

 

[BUSTI]

Whatever you do don't lie to the insurance company. If you lie you are committing fraud. They can cancel all policies you have with them and not pay out anything.

 

[Mrs.HLB]

If you are still looking for insurance, I work for a SF agent. Give me a call 714-777-8000 Athena. We can check into.

Thanks

 

[Gelcoater]

As owners of these dog we assume ALL responsibility. We will not let our dogs around children at all, and other animals sometimes with a LOT of supervision. I understand all the risk, I also understand the insurance companies point of view. With that said.. I know that some companies will cover me, just trying to find out my best options. Rottweilers are super smart and very controllable if you work with them. How about home owners with live stock and horses, have family with horses and those guys could kill you faster than a Rottweiler, that's for sure.

Did you get the ins. handled?
I ran across this earlier,don't know much about them but liked what they were about.

Einhorn Insurance is proud to offer dog liability insurance to responsible owners of ?dangerous? breeds (as labeled by most insurance companies). Einhorn Insurance does NOT agree with the way most insurance companies stereotype strictly by a dog?s breed. We look at each dog individually and do not judge based on breed.

As proud Pit Bull owners and advocates....

 

[BajaMike]

It you or a parent are former military, try USAA. They are the best!

 

[koenig]

If you haven't found insurance yet. I'll point you to a thread on the subject at a Rottweiler specific forum: http://www.rottweiler.net/forums/general-info/105330-home-insurance-careful.html I don't post there anymore, but its a good site for Rottweiler owners.