| This is one subject I know alot about. I am and insurance adjuster, I am starting an agency and I have a degree in Insurance so this will be the correct answer.
If you told the truth when you took out the policy you will be covered for liability to your limit if your dog bites a person. If you owned the dog before you took out the policy and lied about it then you will not have coverage as you lied on the application and it will result in a denial.
Your company has every right to drop you if they have breed restrictions and they find out you own one of the dangerous 5 (rotti, dobe, gsd, chow, akita) or if your dog bites someone.
If you did not own the dog when you took out the policy you will be covered.....However if you know you are insured by a company such as ANPAC, or Shelter and you know they do not except the dangerous 5 change companies. The reason you need to change is because if you get dropped it is harder to get insurance no matter the reason you were dropped and it cost alot more usually.
To find out if your company writes rotties call up the agents office and just annonimously ask does this company write rotties.
Now for the original post. Some companies do not write the dangerous 5 period. Others leave it to their agents discression. Agents get bonuses for low amount of losses. Knowing this some agents refuse to put rotties in their book of business.
Call around someone will write rotties I guarantee it.
I personally have turned down some business. Before everyone gets mad at me let me explaine. The company I write for allows me to write rotties and all the others (it was one of the questions i asked when I interviewed) However I personally will not write the fab 5 unless I am allowed to meet the dog in person. The dog has to be excepting and well socialised. The only dog I refused was a gsd that well for lack of a better reason did not seem stable. It was not obedient and just acted strange.
__________________
kirk reisner |