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Old 01-07-2009, 11:55 AM   #21
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I do home visits for a child abuse program with the State of Oklahoma, and believe me there are lots of pit bulls in rural Oklahoma. They are not all mean and some are down right loveable; however, I show them all respect. I believe if your dog is not on a logging chain in your front yard, or running the neighborhood, you should be allowed to have insurance. I have a Pom, Imma Chicken, who has actually bitten two people who dared to walk into the back yard. No problems. Of course she couldn't kill anyone, but she thinks she could. As for American Staffordshire Terriers, I have shown them and they are not people aggressive. They are dog agressive to be sure, and strong enough to get away from you is you are not careful. Pit Bulls are usually bred by idiots who want to fight them around here.
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Old 01-07-2009, 12:50 PM   #22
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As for American Staffordshire Terriers, I have shown them and they are not people aggressive. They are dog agressive to be sure, and strong enough to get away from you is you are not careful. Pit Bulls are usually bred by idiots who want to fight them around here.
That pretty much sums up the problem with 'bully' breeds in my opinion. And the fact that they are incredibly driven and won't give up once they start something. I'd rather get bit by a pom any day!

I hope you didn't leave State Farm, I've heard they are getting out of homeowners policies, so if anyone leaves they won't take them back. They are only keeping existing policies.
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Old 01-07-2009, 07:03 PM   #23
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That pretty much sums up the problem with 'bully' breeds in my opinion. And the fact that they are incredibly driven and won't give up once they start something. I'd rather get bit by a pom any day!

I hope you didn't leave State Farm, I've heard they are getting out of homeowners policies, so if anyone leaves they won't take them back. They are only keeping existing policies.
State Farm is not actually getting out of Homeowners - that would cut their size by about a third. They are selectively reducing the amount of exposure they have in certain higher risk areas. Coastal - wind - brush fire - poor business climate areas for example. Too much market share concentrated in an area is not always a good thing for a carrier.
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Old 01-07-2009, 09:32 PM   #24
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It doesn't sound like they have threatened to cancel your policy, just asked you to get rid of the dog. If you do nothing, they will likely non-renew your policy in August, so you probably have lots of time to find other coverage if it comes to that.

First though, I'd suggest you write a nice letter explaining that you purchased their policy because of their excellent reputation for fair dealing and putting the customer first. Then go on to explain how you discussed the dog with the agent as part of the application process and was advised that the dog would not be a problem. Let them know that the dog is old and of good temperament and has never bitten anyone. Then ask them for an exception by allowing you to keep the dog. Be nice, don't threaten. Ask them to send you a favorable response in writing. It's likely that the underwriter will then go to her supervisor for an approval -- which may very well happen.

If they don't see it your way, find another agent. You want an agent that has some pull with his carriers. I recently switched to State Farm and was advised that they have no restrictions on dogs that have not bitten, so you might try them, if necessary.
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Old 01-07-2009, 09:38 PM   #25
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State Farm? I'm with State Farm for pretty much everything, and not once have they asked me anything about any dog, ever. Is this something that is commonplace in the U.S.?

I hope they don't ask... I've got the goofiest lab mix around who could fell a small child with her wagging tail, and an Australian Shepherd on Prozac...
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Old 01-07-2009, 10:04 PM   #26
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I didn't know State Farm was in Canada.
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Old 01-07-2009, 10:13 PM   #27
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Hi, no offense to anyone, but I'm not a Pit Bull fan; Mostly because of their reputation. And it's not new to me in my neighborhood, that some insurance companies have a top ten list of possible dangerous dogs. [including my carrier] My neighbor likes, and has, Rottweilers. They are on the list too. My neighbor told me that her insurance carrier stated that her policy has the one bite, or incident rule. One bite and it goes on your record, second bite is not covered. [kiss your house goodbye] I like dogs; And I feel bad for some of them [even Pit Bulls] because of their owners. Killer dogs should be sent to rehab and their owners put to sleep.
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Old 01-07-2009, 10:48 PM   #28
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the age of your dog should help the situation. I would call the state insurance commission at your state capital and see if the insurance can issue and quickly rescing a policy if you filled everything out correctly. YOU could have a lawsuit on your side for discrimination if you complied to what was asked for on the initial application.
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Old 01-08-2009, 05:55 AM   #29
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The problem is the owners for seeking out an agressive breed and training them to fight. The trailer park (not airstream) down the road seems to be a training and breeding ground for pitbulls. Everyone has one and it's common for their owners to tie long lengths of half inch chains to their necks to drag around to build muscle. These dogs at least around here are bred to fight and is a tough guy orniment to go along with the jacked up chevy, big chrome wheels, thumpin radio crowd Just telling it like I see it everyday.
Not unusual to read in the paper about another pitbull attack there and everyone seems to have a cardboard sign up for pitbull pups for sale..
I don't blame the insurance companies for trying to cut their exposure as they are in business to make money not to provide charity. Maybe you could ask the insurance company to exclude dog bites and attacks from your pitbull in their policy? Not trying to be funny but if your dog is no risk then it shouldn't matter?
Dobermans had the same stigma until pitbulls took their place. I love animals but would never choose one that I knew was a known as a problem breed. Why bother subjecting yourself to voluntary grief?
Just my opinion.....
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Old 01-08-2009, 06:42 AM   #30
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Looks like they will either nonrenew your policy - or they may try to cancel for "noncompliance of a critical recommendation". My guess is they will nonrenew. Nevada regulations for homeowners:

Endorsement: HO 01 27 05 02
Statute: 687B.310 to 687B.420
Length of cancellation notice required for nonpayment
10 days
Length of cancellation notice required for other reasons (for a new policy)
10 days
Are there cancellation restrictions after __ days based on certain valid reasons?
Yes, after 60 days for nonpayment, material misrepresentation, substantial change in risk
If so, is the cancellation notice requirement lengthened?
Yes, 30 days for other than nonpayment
Is there a notice requirement for nonrenewal, or for policy changes?
Yes, 30 days for nonrenewal
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Old 01-08-2009, 06:42 AM   #31
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I didn't know State Farm was in Canada.
I think only in Ontario, New Brunswick and Alberta.

I've been with State Farm for years - and consistently have given me great rates. Probably because I've got many eggs in the same basket. But when shopping around for motorcycle insurance, I contacted several supposed motorcycle specialists, and was quoted an average of about $90-$100/monthly (I'm a relative newbie on the motorbike front). My State Farm agent insured me for $35/month...

But while I'm pretty sure he knows I've got a few dogs, it's never been even remotely brought up for any policy. Don't know if it's one of those cultural differences between Canada and the US.

But all the same, it's too bad that losers out there have created monsters from a dog that used to be considered a nanny dog, taking care of kids in the past.
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Old 01-08-2009, 10:11 AM   #32
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Shouldn't it be called "Province Farm" in Canada? I suspect you have better regulation of insurance companies in Canada and that may be why there has been no problem for you Michelle. State Farm in the US has been involved in a number of class action suits—which they lost— because they have not treated their insureds well.

I agree the problem with many dogs is the owner. Dogs (and maybe humans) are pack animals and learn from observing the "A" male and female in the pack—usually their owners or past owners. Aggressive people have aggressive dogs, a point well made by nsteel. Sometimes people, especially not too bright kids, treat dogs badly and the dog shouldn't be blamed for biting them. Some breeds are bred for hunting, some for herding, some for friendliness and some for aggression. A good owner can train a dog bred for aggression and make it friendly, but there's always a possibility heredity will win out some day. I don't think a dog should be penalized when it hasn't done anything wrong, but people (and dogs) are subject to thinking in generalities.

When I was a kid, I had a German Shepherd. In those days, they were the breed people were afraid of. I used to play rough with her and she would never hurt me; she was devoted to the family. But anyone else? Watch out! Heredity matters just like owners and training.

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Old 01-08-2009, 10:44 AM   #33
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Two pit bulls attacking other dogs

I'm sorry that your insurance company is giving you a bad time, but I understand their concern.

I've seen 2 incidents up-close-and personal regarding pits. First, my red heeler was attacked by an off-leash pit last year. The pit walked straight up to us and grabbed my dog's neck, no warning, no nothing. Luckily I was able to get him off her without serious damage. The animal control officer came to get him (we'd tied him to a tree) when putting him in the truck the dog politely jumped in...the officer said, "Oh he's been here before." Nice.

This fall, our next door neigbor, a college kid, had a roommate move in with a "nice" a pit. "Oh she's nice except around other dogs." We saw the pit come charging off the porch (yes, kid had her outside w/out a leash) and the pit grabbed another neighbor's dog as he walked his dog (on leash) and 2 young daughters down the sidewalk. It took the two men to get the pit off the dog. Scared everyone, especially the little girls. We had animal control here the next day, filed complaints. Also the father of the 2 girls told the kid who owns the house "he'd own his house" if it ever happened again. We have 7 youngsters on this street, and most of us have dogs. We've all kept an eye out to be sure the dog isn't out.

After seeing these two things happen, I have to say I'm not fan of Pit Bulls.
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Old 01-08-2009, 11:29 AM   #34
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Tell them that he is your home security system - you might get a DISCOUNT!!!
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Old 01-08-2009, 12:38 PM   #35
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Our home insurance carrier asked us about what kind of dog we had. Apparently Border Collies are acceptable. They also said that if we had one of the notorious breeds then we would have to get a rider policy for the dog.

Speaking of mean dogs - the neighbors St. Bernard did a sneak attack on my Border Collie this past Saturday when my dog was doing nothing but sitting next to me in the back yard. That St. Bernard became very familiar with my steel toe work boots....... This is the second time this has happened.
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Old 01-08-2009, 12:51 PM   #36
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Speaking of mean dogs - the neighbors St. Bernard did a sneak attack on my Border Collie this past Saturday when my dog was doing nothing but sitting next to me in the back yard. That St. Bernard became very familiar with my steel toe work boots....... This is the second time this has happened.
Ouch. That's a big dog to be running amok, not to mention for the second time... Sounds like it's the neighbor's time to become familiar with your steel toe boots, figuratively at any rate.

Hope your pup is OK.
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Old 01-08-2009, 06:20 PM   #37
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I have to agree with Barbara, here in the Houston area we have read many horror stories of children being killed by Pit bulls. I know the ones that are nice are very nice, and your's is obviously older and established, but I too understand the concern. I have read numerous stories in recent years about pit bulls killing children, even adults, and always seems to be a pit bull. I'm a dog lover, I have two dogs, but I would never have a pit bull in my house with my three young children. I could never live with myself if anything happened.
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Old 01-08-2009, 07:30 PM   #38
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Unfortunately when a breed becomes popular, like the St. Bernard, people start breeding them just for the money and the temperment suffers. Dalmations have seen this in recent years. The only dog I ever got bitten by at the shows was a St. Bernard. Actually two different dogs, one bit me, the other one grabbed my Standard Poodle as we walked by. It's lucky Standards have so much show coat. He got slobbered on, but not hurt. Show people know to stay away from the Saints now. No Pit Bulls at the shows, and the Am Staffs are not likely to get to you because their handlers know what the dog is capable of. Saint owners didn't seem to be as watchful. Tell your insurance company how old this dog is and the idea about a clause excluding dog bites from the Pit Bull is a good idea.
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Old 01-08-2009, 07:47 PM   #39
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Because we all remember the stories of a St. Bernard saving stranded people in the Alps with a small cask of brandy or some libation, they seem lovable. Aside from the fact that alcohol is not good for someone with hypothermia, maybe those dogs are very well trained.

I remember a friend living next to some St. Bernards and those dogs acted aggressively! They were behind a fence, but it seemed like they could take the fence down in a second. I rearranged my whole viewpoint on that breed. I didn't like visiting there. I have heard more than once St. Bernards can be dangerous.

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Old 01-08-2009, 09:45 PM   #40
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Insurance companies

You may have a hard time replacing the homeowner's policy if you cancel. I understand they are really looking at the breeds of dogs in offering coverage. My daughter's policy would not cover a trampoline......granted she is in California but insurance companies in general seem to be looking for reasons to decline offering coverage.

We tried to shop the master policy for our condo in Mammoth Lakes, Ca when it came up for renewal and other companies would not bid on it without our making some significant changes (like fireproofing the shake shingles-which used to be a good thing to have but no longer in drought sticken California).

And giving wrong information (like breed of the dog) could void your policy altogether if you suffer a loss...

Hopefully you will find a good agent that can help you steer through this sticky issue. Perhaps someone who is familiar with different companies underwriting policies can chime in here. pj
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