Blacklisted Dogs May be Liberated
For some homeowners, insurance had gone to the dogs… There may now be a way to bite back.
Akita, Boerboel, Chow, Doberman, Kyiapso, Mastiff, American Bandogge Mastiff, Neopolitan Mastiff, Pit Bull, American Staffordshire Terrier, English Bull Terrier, American Pit Bull Terrier, Staffordshire Terrier, Presa Canario, Rottweiler, Wolf Hybrid.
What do these breeds have in common? As far as most insurance companies are concerned, they all typically constitute an unacceptable risk. In 2010, dog bites accounted for over 1/3 of homeowner’s insurance liability claims, and the average dog bite claim cost over $26,000. These two factors make insuring a home with one of the above mentioned “aggressive” breeds an unappealing prospect for an insurance company.
No one can deny that many of these breeds come with a less than stellar reputation. However, when an agent has to decline a policy because of a dog, the typical response is something along the lines of, “My dog is a great pet,” or “Not my Fluffy, she’s the nicest dog in the world.” Unfortunately the response from the agent is usually, “I’m sorry.” Now, however, the agent can say, “Prove it.”
Allied Insurance has recently changed its guidelines regarding the previously black listed dogs. Owners of the above mentioned breeds now have the opportunity to have their dog evaluated for certification as an AKC Canine Good Citizen. Once the dog has successfully passed this test, and has no other previous bite history, it is no longer considered unacceptable by Allied. Owners of an AKC Certified Canine Good Citizen now have the opportunity to obtain a quality insurance product, without exclusion of coverage for dog bites. (New policies are subject to all underwriting guidelines to determine acceptability, including those regarding dogs.)
Please pass this information along to those people you know who own one of the breeds listed, homeowner or not. They likely do not have as comprehensive insurance package as they now could. Even worse, their current insurance provider likely does not know about their dog and they are at risk of losing their homeowner’s or renter’s insurance should the dog be discovered by the insurance company.
Contact Will Lockwood at Brenk & Company Insurance, (707) 526-1195, for any questions regarding homeowner’s insurance and your dog, and contact Robyn Kesnow, Animal RN at (707) 695-2500 for any questions regarding the AKC Canine Good Citizen program.