CT Woman Denied Homeowner's Insurance Because of Dog

Reference section for insurance info, dog friendly hotels, finding apartments, etc.

Postby Marinepits » May 18th, 2009, 1:27 pm

http://www.wtnh.com/dpp/news/news_wtnh_ ... 72350_rev1

Video on website

Woman denied insurance
because of dog

Updated: Sunday, 17 May 2009, 11:53 PM EDT
Published : Sunday, 17 May 2009, 11:53 PM EDT

Story by: Sara Welch
Milford (WTNH) - One Milford woman was denied insurance coverage all because of the type of dog she owns. And, now she wants to warn other pet owners that they, too, may be at risk.

When it comes to her dog Pryor, Laura Pendleton treats him like family.

"He was a rescue dog," she said.

Pryor came from a Shelter 9-years ago. And since then, the Pitbull Mix has lived with Laura at her home in Milford without any trouble. She's got paperwork from the vet to prove it.

"He said he is an asset to society and he's a loyal, fun-loving, neutered dog," said Laura.

So, when it came time to renew her homeowner's insurance policy, Laura thought nothing of filling out a questionnaire that asked whether a dog lived at the residence and if so what breed.

"And I said American Staffordshire Terrier and two days later I got the renewal notice denied," she said. "And the reason they gave was that he is an unacceptable mix."

So what changed? Why was Laura being dropped by The Hartford? News Channel 8 asked Laura's insurance agent.

"Initially my understanding is the was a terrier mix and that did not present a problem," said Insurance Agent Don Burns. "And on a questionnaire, she indicated the dog was a Pitbull, but breed Pitbull which is going to cause a problem with just about every insurance company in the world."

"When I called him that night I got the cancellation notice he told me that perhaps I was too forthcoming on the questionnaire; that upset me even more," said Laura. "I don't think it's fair to be punished on a breed."

But it's not just Pitbulls that are considered a risk by insurance companies. Other breeds like Rottweilers, Doberman Pincher and German Shepherds are sometimes questioned. It all depends on the insurance company you are dealing with.

"I think it's discrimination," said Laura.

State Senator Ed Myers proposed legislation that forbids insurance companies from denying homeowners insurance because of a specific breed.

It would all allow homeowners to get insurance at a higher premium if their dog has bitten someone before.

"I think there is a way out of this and we are going to do this legislatively," said Sen. Myers.

What does the state insurance department have to say?
"Connecticut does allow insurance companies to exclude a specific breed based on risk. It does not allow insurance companies blanket exclusions for all breeds of dogs because the state says that would be unfairly discriminatory to dog owners."

This means insurance companies cannot have a policy that says no dogs will be covered.

The state said because of competition there are insurance companies that will insure pet owners like Laura who says Pryor is staying put.

"Cause he is not going anywhere, he's just not, he's been part of the family for too long," Laura said.

Laura has since found an insurance company that will cover her dog. The legislation may be heard in the coming weeks.



http://www.cga.ct.gov/2005/fc/2005HB-06 ... 253-FC.htm

General Assembly
File No. 253
January Session, 2005
Substitute House Bill No. 6543



House of Representatives, April 11, 2005

The Committee on Insurance and Real Estate reported through REP. O'CONNOR of the 35th Dist., Chairperson of the Committee on the part of the House, that the substitute bill ought to pass.

AN ACT CONCERNING HOMEOWNERS AND TENANTS INSURANCE UNDERWRITING BASED ON BREED OF DOG.

Be it enacted by the Senate and House of Representatives in General Assembly convened:

Section 1. (NEW) (Effective October 1, 2005) (a) Except as provided in subsection (b) of this section, with respect to a policy for personal risk insurance, as defined in section 38a-663 of the general statutes, delivered, issued for delivery, renewed, amended or continued in this state on or after October 1, 2005, no insurer may use the breed of dog owned by the insured as a basis for (1) establishing rates or minimum premiums under the policy, or (2) cancelling, refusing to renew or refusing to issue such policy.

(b) An insurer may establish rates or minimum premiums under such policy or cancel, refuse to renew or refuse to issue such policy on the basis of (1) the insurer's evaluation of the risk presented by the specific dog owned by the insured, or (2) claims history with respect to the specific dog owned by the insured. Such claims history shall be limited to claims paid because the dog has bitten or attacked a person or animal during the three-year period immediately preceding the renewal or issue date of the policy.


This act shall take effect as follows and shall amend the following sections:

Section 1
October 1, 2005
New section



INS
Joint Favorable Subst.



The following fiscal impact statement and bill analysis are prepared for the benefit of members of the General Assembly, solely for the purpose of information, summarization, and explanation, and do not represent the intent of the General Assembly or either House thereof for any purpose:

OFA Fiscal Note


State Impact: None

Municipal Impact: None

Explanation

The bill prohibits personal risk insurers from considering an insured’s dog’s breed when setting policy rates or minimum premiums. The bill has no fiscal impact.



OLR Bill Analysis

sHB 6543

AN ACT CONCERNING HOMEOWNERS AND TENANTS INSURANCE UNDERWRITING BASED ON BREED OF DOG

SUMMARY:

This bill prohibits personal risk insurers from considering an insured’s dog’s breed when setting policy rates or minimum premiums. It also prohibits such insurers from using the dog’s breed as the reason for canceling, not renewing, or not issuing a policy.

But, the bill permits such insurers to set rates and premiums and cancel, not renew, or not issue a policy based on (1) a risk evaluation of the insured’s dog or (2) claims paid because the insured’s dog bit or attacked a person or animal during the three years immediately preceding the policy renewal or issue date.

Personal risk insurance includes homeowners, tenants, private passenger automobile, mobile home, and other property and casualty insurance for personal, family, or household needs. The bill applies to personal risk insurance policies delivered, issued for delivery, renewed, amended, or continued on and after October 1, 2005.

EFFECTIVE DATE: October 1, 2005

COMMITTEE ACTION

Insurance and Real Estate Committee

Joint Favorable Substitute

Yea
9
Nay
7


Never make someone a priority in your life when that someone treats you like an option.
User avatar
Marinepits
Proud Infidel
 
Posts: 15621
Location: New England

Postby Malli » May 18th, 2009, 4:15 pm

they didn't even go into breed with my insurance company, I think they asked if we had a dog and what size he was...

I'm happy to be living where I am :)
I can only please one person per day. Today is not your day, tomorrow doesn't look good either.
_______________________________________
"You didn't know of the magical powers of the break stick? It's up there with genies and Harry Potter as far as magic levels go." SisMorphine 01/07/07
User avatar
Malli
E-I-E-I-O!
 
Posts: 6341
Location: CANADA EH?

Postby TinaMartin » May 19th, 2009, 8:48 am

My insurance company doesnt care what breed either.
Not only am I a member of the Michelle says my dog is fat club I'm the president!
I can Alpha Roll hair!
User avatar
TinaMartin
The Hair Whisperer
 
Posts: 1240
Location: Rochester NY

Postby amazincc » May 20th, 2009, 7:17 am

Mine didn't either... I was SO pleasantly surprised. :)
User avatar
amazincc
Jessica & Mick
 
Posts: 9814
Location: Holding them both in my heart.

Postby madremissy » May 20th, 2009, 10:05 am

When we moved into our new house, our inusrance lady came to the house and looked at the house. She met the dogs and asked what kind. I told her and this was before I knew anything about breed legislation. I am guess I am one of the lucky ones.
User avatar
madremissy
I have a basketball and I'm not afraid to use it.
 
Posts: 3786
Location: meansville, ga

Postby Natalie » May 7th, 2010, 4:19 pm

State Farm has a policy that doesn't allow their agents to discriminate against dog breeds. :dance: Luckily, I found the perfect agent, she's a dog trainer and has been on Pit Bulls and Parolees!
Natalie
Just Whelped
 
Posts: 96
Location: Wisconsin

Postby mnp13 » May 7th, 2010, 7:50 pm

Yup!!! State Farm all the way!!
Michelle

Inside me is a thin woman trying to get out. I usually shut the bitch up with a martini.
User avatar
mnp13
Evil Overlord
 
Posts: 17234
Location: Rochester, NY

Postby pitbullmamaliz » May 7th, 2010, 7:58 pm

State Farm turned me down 'cause of Inara. Ended up going with Liberty Mutual.
"Remember - every time your dog gets somewhere on a tight leash *a fairy dies and it's all your fault.* Think of the fairies." http://www.positivepetzine.com"

http://www.pitbullzen.com
http://inaradog.wordpress.com
User avatar
pitbullmamaliz
Working out in the buff causes chafing
 
Posts: 15437
Location: Cleveland, OH

Postby mnp13 » May 7th, 2010, 8:05 pm

Really? According to State Farm Corporate they do not discriminate against breeds. Call them and tell them what the agent told you.
Michelle

Inside me is a thin woman trying to get out. I usually shut the bitch up with a martini.
User avatar
mnp13
Evil Overlord
 
Posts: 17234
Location: Rochester, NY

Postby DeeNtheChillas » May 7th, 2010, 8:33 pm

My State Farm agent wrote our policy and didn't even ask about or meet the dogs. :|

We only had the two little ones at the time anyway. But we did ask about pit bulls when we first started looking at buying.
Dee and the furry babies:
Lizz (11 y/o beagle x toy fox terrier)
Blazer (7 y/o chihuahua x boston terrier)
Valentino (less than a year old pit bull)
Tyler and Victoria, the kitties
and the 'chillas
Humble Acres Chinchillas
http://www.humbleacreschinchillas.com
DeeNtheChillas
Snot Nose Bully Pup
 
Posts: 118
Location: Western NY

Postby pitbullmamaliz » May 7th, 2010, 8:41 pm

mnp13 wrote:Really? According to State Farm Corporate they do not discriminate against breeds. Call them and tell them what the agent told you.


It was almost a year ago. I don't remember her name. I told her she was not permitted to turn me down and she disagreed. I then told her I was taking my business elsewhere as I didn't want to have to persuade somebody to let me give them money.
"Remember - every time your dog gets somewhere on a tight leash *a fairy dies and it's all your fault.* Think of the fairies." http://www.positivepetzine.com"

http://www.pitbullzen.com
http://inaradog.wordpress.com
User avatar
pitbullmamaliz
Working out in the buff causes chafing
 
Posts: 15437
Location: Cleveland, OH

Postby tiva » May 8th, 2010, 6:31 pm

We're with State Farm too--precisely because they don't care what kind of dogs we have.
User avatar
tiva
Snot Nose Bully Pup
 
Posts: 165
Location: WI

Postby BullyLady » May 15th, 2010, 4:29 am

State farm! We had heard tale of other American Bulldog owners being turned down after the agents coming out to their place because "that dog looks like a pitbull", so we shopped around for a company with no breed discrimination. We are very happy with them, and they are happy with us because we also carry our Life and Auto insurance with them since they were so helpful and non discriminatory with our homeowners's insurance, and we made sure she knew exactly why we picked them!
"I'm not all bad but I'm a faithful sinner."
~Dave Matthews
Cathleen
Shelby - AB Mix 1 yr - CGC
User avatar
BullyLady
Proud Uber Nerd
 
Posts: 1060
Location: E Washington State

Postby jecust » July 21st, 2010, 5:54 am

It's a disgrace in my opinion that some insurance companies still refuse to insure people that own a certain breed. We're living in the 21st century, come on ... Fortunately, there are companies around that don't care what kind of dog you have. I hope my home insurance company won't drop me if I get us a pitbull or a similar breed. Man, that's really ridiculous, just because of the breed, that doesn't have to mean anything ...
jecust
Just Whelped
 
Posts: 2

Postby HappyChick » July 21st, 2010, 10:59 am

My company only asked if I had dogs, not the breeds.

However, as I was calling around this week because I'm thinking of changing companies, I ran into my first question about the breeds of my dogs. The lady I was talking with works at an independent insurance company that applies to several different companies to get the best rates.

She: Do you have any pets?
Me: yes, three dogs and a cat.
She: what are the dogs' mixes?
Me: we have a cocker spaniel mix, a lab mix, and and American Pit Bull Terrier.
She: ut oh...

Then she went on to lecture me about insurance companies frowning on pit bull type dogs and how much they pay out for dog bites, etc. etc. She said most of the companies she works with would have a problem with my dog. After I got off the phone with her, I thought about the conversation for awhile. I called back and told her to cancel the quotes. I'm not giving my money to any insurance company that discriminates against my PRINCESS or any other dogs based on breed!!! :mad2:
Angie & crew

http://www.epitome-dog-rescue.org

My beloved Vincenzo 07/22/05 - 11/16/09 forever in my heart. Cancer sucks.
HappyChick
Loyally Bully
 
Posts: 701

Postby PetieMarie22 » July 21st, 2010, 11:20 am

We just insured with Farm Family Insurance. The guy never asked us about pets. Afterwards we asked the guy if they did have any breed restrictions. He laughed. He said he prefers for scary looking dogs to be running around the house - it deters break ins!
Kathleen (and George)
Petie Marie - spoiled rotten Pit Bull Terrier
Sunshine Honeysuckle Smith - DSH cat that lives under the couch
Sasha Marie - Bombay Mix = DIVA
User avatar
PetieMarie22
Hyper Adolescent Bully
 
Posts: 270
Location: Rochester NY

Postby PetieMarie22 » July 21st, 2010, 11:25 am

HappyChick wrote:I'm not giving my money to any insurance company that discriminates against my PRINCESS or any other dogs based on breed!!!


George wanted to fib about the breed of our dog to another insurance company. I don't like that in the first place, but I also thought - why do we need to lie so WE can pay THESE dummies OUR MONEY. I'm glad we found a place that doesn't descriminate.
Kathleen (and George)
Petie Marie - spoiled rotten Pit Bull Terrier
Sunshine Honeysuckle Smith - DSH cat that lives under the couch
Sasha Marie - Bombay Mix = DIVA
User avatar
PetieMarie22
Hyper Adolescent Bully
 
Posts: 270
Location: Rochester NY

Postby furever_pit » July 21st, 2010, 12:19 pm

It really is a shame that some homeowner's insurance companies discriminate based on breed. When I buy a house, I'll be going with State Farm just because they don't have policies against certain types of dogs.

As a general rule I do not list Dylan as Pit Bull or Pit Bull mix with anyone. He is registered with the county as a terrier mix.
User avatar
furever_pit
Supremely Bully
 
Posts: 1138
Location: NC


Return to Living with your Pit Bull

Who is online

Users browsing this forum: Yahoo [Bot]