Homeowners insurance with big 'high risk' dogs... - Page 5

Rangerscott · 09-20-2010, 11:09 PM

Quote:

Originally Posted by Bonesaw

I was thinking the same thing... what does your dog have anything to do with your homeowners insurance?

Don't think like I think or you'll be considered dumm.

Switch · 09-20-2010, 11:22 PM

Quote:

Originally Posted by Rangerscott

Don't think like I think or you'll be considered dumm.

Your Avatar is lovely.

Switch · 09-20-2010, 11:24 PM

I have a Dobie and my neighbor thinks she's vicious, but she just wants to play.

I've never mentioned my dog to my insurance man.

101lifts2 · 09-21-2010, 12:09 AM

Quote:

Originally Posted by Bonesaw

I have a Dobie and my neighbor thinks she's vicious, but she just wants to play......

How much does she weigh? My bro had a male Doberman and that thing was like 90lbs and as tall as a small horse. I use to wrestle with him, but backed off when the mofo started to growl at me.

Homeslice · 09-21-2010, 02:36 AM

Quote:

Originally Posted by Inferno

If you don't know what it is, like what mudpuppy said, you can get a DNA test done. One of those lesbian owned dog stores can do it for like $45.

Particle Man · 09-21-2010, 07:28 AM

Quote:

Originally Posted by Bonesaw

I was thinking the same thing... what does your dog have anything to do with your homeowners insurance?

Some policies have a "large or viscious dog" clause that could end up getting your insurance dropped. If a dog bites someone or even ends up running out into the road and causes a MVA the injured party (I mean "injured" as either physical or property damage or both) can file a claim against your homeowners insurance - sometimes for an insane amount of money. You could find yourself holding the liability for a crazy amount of money.

Everyone tends to think in terms of dog bites and stuff but it isn't that simple. Say your dog takes off after a squirrel (because squirels are almost as evil as cats) and darts into the road where a passing motorcyclist hits the dog and wrecks his/her bike and gets injured... That's a piss poor time to have that "dog" clause rear it's ugly head. The dog was just being a dog and you're suddenly in debt for the rest of your life.

And I can't spell "viscious" to save my freakin' life

Dave · 09-21-2010, 11:35 AM

Quote:

Originally Posted by Bonesaw

Your Avatar is lovely.

I'm still wanting a fullsize pic lol

Quote:

Originally Posted by 101lifts2

How much does she weigh? My bro had a male Doberman and that thing was like 90lbs and as tall as a small horse. I use to wrestle with him, but backed off when the mofo started to growl at me.

I still want a dobie

OneSickPsycho · 09-21-2010, 11:41 AM

Quote:

Originally Posted by Dave

I'm still wanting a fullsize pic lol

I still want a dobie

That was my absolute first choice for a dog... had one growing up - BEST DOG EVER.

skiergirl · 09-21-2010, 01:12 PM

Quote:

Originally Posted by OneSickPsycho

That was my absolute first choice for a dog... had one growing up - BEST DOG EVER.

They sure are...

he's my 2nd..

OneSickPsycho · 09-21-2010, 03:44 PM

The official story is going to be... he's a Boxer/Lab mix. Found an insurance company that's going to save me about $500/yr AND accepts most dogs... excluding the usual Rotts and stuff... So since he's a Boxer/Lab no issues.

Oh, and $50/yr is the liability coverage of $50k for him... Hmmm... I got a dog and saved money on my homeowners insurance. I guess I shoulda researched a little more when I bought the place!

09-20-2010, 11:24 PM	#43
Switch dadbod Join Date: Feb 2008 Location: East TN Posts: 1,215	I have a Dobie and my neighbor thinks she's vicious, but she just wants to play. I've never mentioned my dog to my insurance man. __________________ It's fine.

09-21-2010, 03:44 PM	#50
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	The official story is going to be... he's a Boxer/Lab mix. Found an insurance company that's going to save me about $500/yr AND accepts most dogs... excluding the usual Rotts and stuff... So since he's a Boxer/Lab no issues. Oh, and $50/yr is the liability coverage of $50k for him... Hmmm... I got a dog and saved money on my homeowners insurance. I guess I shoulda researched a little more when I bought the place!