2007-09-13 15:23:50 · 14 answers · asked by Robin 1 in Business & Finance ➔ Insurance
pends on the state chances are yes.
2007-09-13 15:26:49 · answer #1 · answered by Anonymous · 1⤊ 0⤋
I assume you own the home and are renting it to people that have a pit bull.
Was this home your primary residence at one time? Chances are you shouldn't even have a homeowner’s policy. The coverage should be written on a dwelling policy form.
Check the form the policy was written. Is It a HO-3 or a DP-3?
Increases in exposure are covered until the next renewal.
It is also common that all animal liability is excluded. The homeowner’s policy would not be voided, but the coverage may not even exist.
Read your policy.
2007-09-14 00:14:11 · answer #2 · answered by thomknaples 3 · 0⤊ 0⤋
I am in the Mid-Atlantic region and work with various states and multiple insurance companies. When someone first comes in to purchase insurance we ask about pets and some of our companies will not accept pit bulls for renters or homeowners insurance, all of my companies will not accept any dog that has already bitten someone. However, as long as when you first applied you stated that you had a dog and provided all pertinent information, if the company accepted your policy under their underwriting guidelines they cannot "void" your policy. If you subsequently have a claim and they have to pay out a large amount, then they can proceed to "non-renew" your policy on your anniversary date as long as it falls within the Underwriting Guidelines on file with the state. The only way a policy can actually be "voided" in most states is that you actually fail to disclose pertinent underwriting information that had the company known would have made you ineligible for coverage, i.e. the specific company you purchased your policy through did not accept risks with pit bulls and they specifically asked you about pets and you knowingly withheld this information. At that point if you have a claim and they find out that you failed to disclose the information they can void out the policy and you are left hanging in the wind having to defend the claim and pay any subsequent judgment.
That said if you had a policy for a year or two and then subsequently purchased a pit bull and had a claim the company cannot "void" out coverage unless they asked you on a renewal questionnaire and you knowingly failed to disclose the information and they have on file with the insurance department that they do not accept policies for risks that have pit bulls.
Some advice though--if you own a pit bull be pro-active by taking him or her to one of the classes that they give to train dogs, always obey the leash laws, do not have teenagers or children walk the dog, strongly discourage strangers--especially children from petting or entering the dog's "space" and make sure to have a locked fence area for your pet that is at least 6 ft tall and post warning signs about a dog on premises. Taking these steps will help you (in terms of showing that you are a responsible dog owner) in case you ever involved in a situation where your pet has bitten someone.
Good Luck
2007-09-13 16:29:02 · answer #3 · answered by Margarita D 6 · 0⤊ 0⤋
You mean renter's insurance, right? If you own a pit bull, and answered "no" to "do you have any dogs", then yes, it voids your coverage. It's a material misrepresentation.
If you're renting, the LANDLORD needs a rental unit policy, not a homeowners - and if he rents to someone with a prohibited breed dog, his insurance company is going to cancel him.
2007-09-14 04:03:21 · answer #4 · answered by Anonymous 7 · 0⤊ 0⤋
My pit-mix was listed on all the papers as a Labrador, Terrier cross. Some list the dog by its proper name (if it has been breed by the book) as an American Stafford-shire Terrier. The Breed standard is strict for this dog and it not the fighting animal that has been cross bred to create bigger, stronger and more aggressive dogs. Some companies require strict fencing just like a swimming pool.
2016-04-04 19:49:05 · answer #5 · answered by Anonymous · 0⤊ 0⤋
That will depend on your insurance company and their policies. Many companies are steering away from breed specific bans on animals while others still use them. some will not insure dobermans, akitas, pit bulls and several others.
If your company wll not insure the owner of a certtain breed the answer is yes it will
2007-09-13 18:02:03 · answer #6 · answered by 2insure4less 2 · 0⤊ 0⤋
Depending on where you live...YES...it also depends on which insurance company. It has to do with so many claims stemming from the breed of dog. In some cases you also can't own a trampoline! If you have a fireplace and or a pool, it can also cost you more in premiums.
2007-09-17 11:45:24 · answer #7 · answered by mchlw43 3 · 0⤊ 0⤋
In some cases it can. It depends on the homeowners policy.
You may want to speak to your agent about it.
2007-09-14 01:55:24 · answer #8 · answered by Boots 7 · 0⤊ 0⤋
You have to read your renter's insurance policy (if you're renting, you can't have homeOWNERS insurance). There will be a clause regarding pets and animals.
2007-09-13 15:28:13 · answer #9 · answered by Anonymous · 1⤊ 0⤋
You received a few yesses and a few nos here.
The best thing to do is talk to your insurance agent to find out. Different states do different things as does different insurance companies. 346
2007-09-13 15:31:36 · answer #10 · answered by The PENsive Insomniac 5 · 0⤊ 0⤋
Dependfs on your ins, but some co's will not cover a pit bull.No exceptions.
2007-09-13 17:17:38 · answer #11 · answered by Barry auh2o 7 · 0⤊ 0⤋