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  #11  
Old 03-26-2006, 08:46 PM
makenzie71 makenzie71 is offline
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Why not use a franchise insurance agency?
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  #12  
Old 03-26-2006, 10:15 PM
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Selkhet Selkhet is offline
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Quote:
Originally Posted by makenzie71
Why not use a franchise insurance agency?
Not sure what you mean. Are you talking about getting homeowner's ins through the car ins company, etc? If so, we tried that, too. No one around here is very enthusiastic about covering a dog on that list.
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  #13  
Old 03-26-2006, 10:23 PM
makenzie71 makenzie71 is offline
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There are national homeowner's insurance agencies...not just locals...I may have misunderstood your saying you hit the "local establishments", though.

At any rate, I find it hard to believe that no one will insure you...have you tried AllState? Tehy didn't mind my two huskies (over the phone quote, 2 minutes ago).
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  #14  
Old 03-26-2006, 10:27 PM
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Selkhet Selkhet is offline
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No, no, we did get coverage. But only after I called all the agencies in our phonebook. It was the dobie they didn't want to cover, but I know huskies are on most lists, too. Just doesn't make sense to me, that's all.
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  #15  
Old 03-26-2006, 10:34 PM
makenzie71 makenzie71 is offline
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It's just covering their asses...our society is too litigous (sp?)...we sue for anything. Too many agencies suffer losses over dog bites, so they're simply trying to cover the potential for mishap.

It's the same reason why my BMW 328i costs me $15 more a month than had I purchased a 318i...otherwise the same car, and a driver who would drive both the same way, but the 328 has a bigger engine (faster car).
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  #16  
Old 03-26-2006, 10:36 PM
gaddylovesdogs gaddylovesdogs is offline
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I was taking a walk. Behind a fence, in someone's yard, was a husky. A beautiful, well-behaved dog. Now, normally, if I'm walking past someone's yard, and there's a dog in it, the dog barks. What was this dog doing? Sleeping. He knew I was there, but he couldn't care less. Ooo, he's a vicious beast!
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  #17  
Old 03-26-2006, 10:39 PM
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True. And I can see their side of it. But I think if the company is really that concerned, why not take the time to personally assess the temperment of each dog looking for coverage? Yeah, yeah, it's too much work and it's much more convienent (for them) to just lump all breeds into categories, eg. "bad" and "good". Oh well.
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  #18  
Old 03-26-2006, 10:49 PM
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If you go to a small place they usually will take it into consideration. We only got away with byron with one of them because my moms friend was our agent
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  #19  
Old 03-26-2006, 11:02 PM
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Quote:
Originally Posted by joce
If you go to a small place they usually will take it into consideration. We only got away with byron with one of them because my moms friend was our agent
That's what we ended up doing. The agent at the small office in the next town over has a GSD herself, and agreed the breed list was a bit much. She was very nice about giving us a policy - though we still didn't mention the dobe for fear of rejection. It was literally the last place, and we HAD to get coverage or we couldn't move into the house.

When people get a dog they are supposed to tell the ins company, but I know many who have owned dobes and never reported it. Believe me it's not something I like to do (omit information) but we really had our backs against the wall at the time.
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