 How the heck can a homeowners insurance company force you to pay for over twice the value? |
| I am just venting but I called other companies and they all say the same thing. In 2005 my policy was for $60,000.00 dwelling and today I recieved the policy and it called for over $109,000.00 ... |
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 Will Homeowners Insurance cover outside stairs? |
| The stairs of my back deck (put in long before i purchased the house) are falling apart. I havent filed any claim or called them as of yet but just wanted some information before i start the process. ... |
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 Car insurance for 17 year olds? |
Hey people, i am 17 in april and i have been looking into buying a 1983 mini mayfair with 13"alloys and arches....and thats it...
onlly a 998cc, not the fastest of cars
... |
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 Purchasing life insurance? |
| I have adult family members that I want to purchase life insurance for. A $10,000 policy each to cover funeral expenses. I know that if anything happens to them I will be responsible. I'm ... |
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 What can my husband do? |
| My husband works for AllState and the agent he works under refuses to send out flyers or mailings. He expects him to make "cold calls" all day (while most people are at work) and still ... |
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 Is life insurance taxable at payout time.? |
| So if I die and my husband collects the $, is that $ taxable?... |
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 How long should an insurance claim take to be completed? |
| My kichen was flooded 10 weeks age and the insurance company keeps changing th goals posts and askeing for different things. is this right??... |
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 Got my drivers licence? |
Is going to be the first time me getting a job so I was wondering as soon as i start the job can i purchase a cheap car right away and insurance and stuff?
and cant get student loan ... |
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 I suffer from depression & was suicidal for a while, but now im tryin to get a mortgage & need life insurance? |
| would I be better off not mentioning anything about the suicide or depression, I know the insurance won't pay out if anything happens to me but the insurance would be cheaper, how much extra ... |
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 Can we insure our health with more than one insurance company? |
| If yes, how can we get reimbursement with one one set of original bills?... |
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 Where is the best place to look for life insurance for a 73 year old without exams? |
| My father is 73 years old and is diabetic (takes daily shots). I would like to take out a life ins. policy on him, but know nothing about it. I am assuming term (maybe 5-10 years) would be the best ... |
|
 Who pays for the Medicaid program? |
| Is it the gov't. or does it come out of a special tax on salaries and wages?... |
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 If my mom is borrowing my car, is she covered by insurance? |
| Here's my situation. My husband and I have 3 cars. We recently found out that I am pregnant and want to let my mom take over payments. Would we be able to put her on our insurance even though ... |
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| I had a car accident had a total loss on my car. I was hit by another driver who was at 100% fault.? |
| I incurred a back injury and visited the chiropractic doctor 14 times. I had a MRI, massages, and exercises done. I feel better now. The visit to the doctor cost me $1500 and the MRI cost me ... |
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 My wife is pregnant, and we don't have insurance, how can we pay for the baby? |
| I'm self-employed and make a decent living, but I can't afford health insurance. I bring in around $90,000 a year, but my AGI is between 35-40,000. I have two children already, and this ... |
|
 I am an uninsured driver. I got into a fender bender in a grocery parking lot? |
| It happened today. I believe it was my fault. I called the police, they said we didn't need an officer as long as noone was hurt.The other driver was so shook up she called her husband and he ... |
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cristanine | My Homeowners Insurance cancelled me because I have a Pit bull? |
My Dog is sweet as ever and wouldn't hurt anyone, why do Insurance do this to homeowners? |
 |
 
mbrcatz
 |
Because 90% of liability claims paid out on homeowners policies are dog bites. And 75% of those dog bites are one of five breeds - including pit bulls.
So, insurance companies don't want to give liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds. Yes, little dogs bite more, but they don't do the damage.
I know of ONE homeowners company that will write a policy with a dog exclusion - Foremost Insurance. www.foremost.com to find an agent near you. The exclusion means, if your dog bites, you pay everything out of pocket. No exceptions. |
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Darby
 |
Yup. That's because your dog is the exception. They are too much of a liability from a law suit for the insurance industry. |
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Kathleen M
 |
Certain breeds of dogs are marked as being high risk because of aggressive nature "in general". That doesn't mean your dog is aggressive, but they just have a lot of problems with the breed being aggressive. Sorry about your insurance. Start shopping around, and good luck. |
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Queen B
 |
because they are a HUGE liability. Ask your insurance agent if your company will let you sign a dog exclusion on the animal. I have one company that will, so check it out. |
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mei-lin
|
Because the insurance company is unwilling to take on the liability for this dog. These dogs can do tremendous damage and can also kill.
I used to show dogs and I know that nurturing makes a world of difference in the temperament of individual dogs. Unfortunately there are unscrupulous people out there who breed indiscriminately and of course, there are those who WANT them to be aggressive. Its a shame that all dogs of certain breeds, and its not just pit bulls, get labeled viscious. Having said this, I am also in the insurance industry, and have seen and read about claim after claim where companies have paid out tons for dog liability. Many breeds bite; it would be kind of difficult to get hurt really badly by say, a chihuahua. |
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John
 |
Yes, it is possible. I do not know what insurance co you have for your homeowner, but there are some company will give you a quote for your homeowner policy.
You have to take an animal exclusion for your homeowner. Which means the insurance company will not cover your liability related with any animal including your pit bull.
Check this site;
http://www.insureme.com/?Refby=614785
You will get the several quotes from the site then ask for the animal exclusion for your homeowner policy, and then you may get the home insurance. |
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zippythejessi
 |
Because of the statistics of dog bites - some breeds are supposedly more apt to bite than others. (Even though any responsible dog owner knows it's not the dog breed, it's the owner, that makes a mean dog.)
Some communites (especially condos, and planned communites) actually ban certain breeds of dogs - like Dobies, Rotties, Pits, and German Shepards... Even though, everyone knows it's the little ankle biters like Mini Pinschers and Chiauhuas and Yorkies bite more than others. |
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blb
 |
Insurance companies do not want to insure anyone that owns a pitbull. I read the answer from the person who is studying to be an agent. When you go to another company you HAVE to disclose the fact that you own a pitbull. All companies will ask if you have pets, the breed and if they have ever bitten anyone. If you decide to lie and say that you do not own a pitbull and there is a claim, the company can deny the claim because there was a material misrepresentation (lie) on the application. They would then deny the claim and then cancel your insurance. |
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_DestroyingAngel_
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i am training to become an insurance agent. The reason why they care so much is because its a dangerouse breed of dog... also roitweilers, dohbermans, chow chows. any breed that is overly agressive can cause problems with neighbors, or potentially bite or cause harm to people.... i know it sucks i have a pit of my own, i just didnt disclose him in my report. |
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dragonbeauty_7
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Because of the hysteria that comes with Pitts, homeowners are just trying to cover their butts. We can't have Pitts either because our landlords do not have a license to have them on our property. |
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Sun
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I dont blame them.
I had pit bulls growing up.
They were very sweet.They both bit the blood out of me.They also killed lots of animals--cats,dogs and wild animals.They are killers.One of my dogs died when he bit the tire of a moving car. |
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rental_prop_owner
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I own a rental property where the renter had two pit bulls (and had not disclosed it to me!). I found out when an adjuster went to the property to check the roof. I immediately asked the renter to get rid of the dogs. Within 3 days the dogs were gone to a new owner. Ins Co cancelled my policy. I provided notarized letter from renter, I validated dogs are no longer there and provided name/address for new owner, but now they want registration and vet documents from the new owner. I'm out of state and can't get a hold of this person. Is this legal? |
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