Home insurance has been cancelled

Discussion in 'News / Current Events' started by Salty, Mar 23, 2013.

  1. Salty

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  2. annsni

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    They have to figure out risk and feel that a pit bull is too high a risk. We were dropped from our insurance after 19 years because we are within a certain amount of distance from the water (can't remember what it was - 1000 yards maybe?) and were left with only 2 insurance companies that would cover us - one of them being Lloyds of London! But we got insurance and paid.
     
  3. saturneptune

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    We have State Farm (live in rural Western Kentucky). We have probably had them for 30 years, and before that, GEICO. The only problem we have had as far as possibly being cancelled was the trampoline in our back yard. We had to buy a guard for around the perimeter of the trampoline. We have had one major ice storm where the power was out for several weeks, high wind storms, hail, and the like. Other than that, there has been no problem, and State Farm has done a good job for us. We have our auto with them also. I doubt our pets would classify as a threat. We have a Maltese, a house cat and eight parakeets.
     
  4. annsni

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    SN - It was State Farm who dropped us. We still have. Car insurance with them though.
     
  5. Winman

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    I was an insurance agent back in the 80's, I worked for 13 different companies. None of them would insure a home with a pit bull. Unfortunately, the pit bull has a bad reputation.
     
  6. Revmitchell

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    Pit Bulls are a worthless breed that has a reputation for a very good reason. The breed should be done away with.
     
  7. Robert Snow

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    You obviously know as much about dogs as politics. Which is to say very little!
     
  8. RLBosley

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    Sad just sad. Not the dogs (or the breeds) fault that people are stupid.

    Wow. That's incredibly ignorant of you. Pits can easily be some of the best family dogs you could imagine. Just because they "can" be aggressive, doesn't mean they all "will" be. The VAST majority of the time, aggression in dogs is learned not innate.
     
  9. Winman

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    From an article on the subject

    As I said before, when I was an agent back in the 80's we would not insure someone with a Pit Bull, but there were others as well. I remember that German Shepherds and Boxers were on the list. As you can see, they do not like Dobermans or Rottweilers either.

    I am amazed at the 24 thousand dollars average claim figure.
     
  10. RLBosley

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    That's truly sad. All those dogs can be absolutely wonderful family dogs if trained and raised properly... However if you mistreat any breed they can become vicious... A girlfriend of mine from HS had a Rottweiler-Akita mix. He was a huge, intimidating dog, but he wanted nothing more than to have his belly scratched. He was well trained and was a big baby if you just gave him some affection.

    Some friends of mine have a 5 month old German Shepherd named Max and they are having the same problem. Many places won't rent to you if you have one, despite the fact that Max would be in heaven if all he did was chase tennis balls all day...

    Just because a dog is "big and scary looking" doesn't mean it's going to bite everyone it sees. Sounds like the logic behind the "assault weapon" bans... "Ahh! Scary, evil, black rifle! Ban it! Ban it now!"
     
  11. Revmitchell

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    It is nothing but pure denial to suggest that high risk dogs are anything equal to any other breed. The insurance companies see them as high risk for a very good reason.
     
  12. RLBosley

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    False. It is nothing but pure ignorance to say that a big dog is automatically a dangerous dog. And the insurance companies see them as a way to gouge people out of more money.
     
  13. Revmitchell

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    Size has nothing to do with it.
     
  14. Winman

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    I like dogs, I owned a dog named Baron as a teen. He was a mutt, part German Shepherd. Unfortunately, he bit the mailman twice. :laugh:

    My two brothers both loved dogs, much more than me, but unfortunately both got bitten by large dogs and required stitches. My younger brother almost lost his ear.

    I know what you are saying, but dogs do bite, and some breeds are more aggressive than others.

    The most aggressive dog if you ask me is a Chihuahua. My Aunt owned one and it was always nipping at us.
     
  15. RLBosley

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    OK. then why aren't chihuahuas on the "high risk" list I've had more of those yappy little rats try to bite me than anything else.

    Maybe not size, how about "scary looking"?
     
    #15 RLBosley, Mar 24, 2013
    Last edited by a moderator: Mar 24, 2013
  16. RLBosley

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    I disagree. I don't think, and I've never seen anything to prove otherwise, that any breed is more aggressive than another. It comes down to training and affection. Most of these so called "High risk" dogs are some of the most intelligent and THAT is why they can become dangerous. They get mistreated all their life and start to correlate people to pain.

    I'm not saying that dogs CAN'T be dangerous and that it doesn't happen, but to just assign a blanket ban to all dogs of a certain breed or wish that they were destroyed is simple ignorance. Or greed, depending on if you're one of the insurance or realtor companies that charges more to deal with these animals.
     
  17. Winman

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    Insurance companies are not greedy, it is a fact that most insurance companies make less than 4% profit, a very reasonable figure.

    We wanted to write insurance on homes, but certain dogs were considered as high risk and we were not able.

    Insurance companies will not write home insurance on a home with a trampoline. There is nothing evil about a trampoline, but simply that they are an accident waiting to happen.
     
  18. RLBosley

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    If you say so
     
  19. Winman

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    Insurance companies make a good "bogie-man". All they do is collect money, and when you have a claim they try to deny it. This is what folks think.

    The first insurance salesman was Joseph. He told Pharaoh to store some of their abundance away so when 7 years of drought came Egypt would survive. Insurance saved the day. :thumbs:

    The first insurance companies in America were started by farmers. That's why you see companies like "State Farm" and "Farmers". Farmers knew a drought, or a frost, or a hail-storm could ruin a farmer's entire crop. So they banded together and contributed to a common fund. If a disaster occurred, a farmer would not be ruined and could continue to farm. That's good.

    Up until recently, you did not have to buy insurance. But thanks to Obama, now you HAVE to buy it. The funny thing is that he sold his policy to naive folks by portraying insurance companies as villains. Now you MUST buy from the insurance companies at whatever cost they charge. Suckers!

    Who is the REAL villain?

    Folks just don't get it.
     
  20. Salty

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    Some are complaining that insurance companies will not insure the pit bulls.

    Take a look at auto insurance - rates are based on zip code, type of car, driving record, and even gender.

    These rates are based on the history from the past stats.

    I wonder why women do not complain about the discrimination on insurance rates.
     

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