 Which is the best Medicare plan option for my mother? |
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Additional Details
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gobble gobble | Does a person have to buy homeowners insurance? |
Sorry if this is a dumb question. I am not planning to buy a house for a few years as I am still in school. The thing is I have a pet chow chow and I understand that chows are on the "black list" and many homeowners insurance companies will not insure people who own these dogs. I am trying to find a company that will though so if you know of any could you please tell me? Thanks for the help. |
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Shesu
 |
Never heard of a home insurance company asking if you even have a dog, so I am sure it would be no problem. However, if you have a mortgage the Bank usually insists that you have insurance. |
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Phil
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If you borrow to buy the house, you will be required to get homeowner's insurance. There are companies that will write you to cover the dog, but you will pay out the nose. Most carriers will exclude the dog, meaning you will owe any claims as a result of the dog. And when it bites someone, it will cost you a bunch of money, for the injury and the legal defense.
Get rid of the dog. Save yourself the headache. |
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blb
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No one wants to insure someone who has a dog that is on a prohibited list. It doesn't make any difference if your agent meets the dog or not. And DO NOT lie on the application and tell them you have a different type of dog. If you do this you are materially misrepresenting yourself at the time of application. If you have a claim, the company can say that since you lied they can void your policy. Don't take the chance. Call around and see if you can find a company that will insure that type of dog. You are going to have to make a lot of calls or call Foremost. They will do a dog exclusion and insure the house. |
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mbrcatz
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There aren't any. A company like Foremost will insure a home, with a dog EXCLUSION on it - in other words, they won't cover the chow. Or ANY dog, if it bites. But they charge a lot more for their policies.
Chows are prohibited breeds with every company I've ever worked with. They are extremely territorial.
Homeowners insurance is only required by contract - if you pay cash for a house, you don't have to buy it. Most landlord rental contracts ALSO require you to have it (tenant homeowners insurance).
I know some place in Indiana was talking about making "certain breed" dog owners carry mandatory liabiltiy insurance, but I have NO idea how they would enforce it, as no insurance company wants to insure "certain breed" dogs. |
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BrettG
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No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck. |
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rottonweiler
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as long as you are responsible pet owner and insurance agent knows you and dog you should not have problem. my husband i absolutly adore rottweilers which in many places are breed banned. my rottweiler is couch potato, and loves everything in her yard with exception of birds. my insurance agent's wife worked in same building as i, and had actually met her (dog). our first insurance company (state farm) did not want to insure us because of dog. we lied. then we changed after small earthquake (we lived 3 miles from epicenter in alabama) they jumped rate on us. we jumped ship to alfa. introduce your dog to agent, you shouldn't have such problem after that. it is owner that makes dog bad not dog's fault. |
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Mrs. Moran
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I believe allstate was the company my mom used... We have a pit bull and german shepard (both black listed) find another breed that looks like yours and use that name. I used Malinois and Staffordshire Bull Terrier. You could use Keeshond or Schipperke. The first looks alot like it and the second has a longer face and pointy ears. Good Luck!
No it's not required to buy insurance but it is better to get it . If someone hurts themself at your house because say your porch is uneven, they can sue. Something to think about. |
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