Renters insurance recs for homes with bully breeds?

urbancowgirl

I'm finally trying to get my act together and get renter's insurance again (I know, I know...should have done this a long time ago), and I'm hoping some of you might be able to help. I have two pit rescues, and I'm having a heck of a hard time finding a company who will insure me!

Have any of you dealt with this and been able to find renter's insurance? I'm happy to do the legwork myself, but I'd appreciate it if anyone can point me in the right direction. It's getting really frustrating to get through the whole quote process only to be instantly cut off when they find out the breed of my dogs.

I've tried Travelers, Allstate, and Liberty Mutual (Geico redirected me to them). This stinks.

Thanks guys.

hitokiri

i dont think animals ever fall under renters insurance

you would need to look under pet insurance. The apt and pets tend to be separate in my experience.

Try the ASPCA insurance program

opossumqueen

from http://www.themoneyalert.com/rentersinsurance.html

If you own a dog, however, it may add to your premium. Due to liability issues,
some insurers won't even offer insurance if certain dog breeds are owned. This
discrimination is exclusive to certain larger working dog breeds. It's unfortunate
because many of these breeds are good-natured and provide a great deterrent
to theft. Yet, in the eye of the insurer, they're a risk. The insurance companies
that do offer coverage for these breeds, will often do so at a premium.

Maybe you can get separate policies, and just not mention the dog on one? One for the pet like from this site:
http://www.24petwatch.com/petinsurance/dog-insurance-tenant.asp

Good luck and please share if you find what you're looking for.

opossumqueen

Oh, and this might help:
http://laweekly.backpage.com/PetsForSale/home_renter_insurance_for_all_dog_breeds_even_pit_bulls_/classifieds/ViewAd?oid=4831489

brokechick

have you tried calling them "staffordshire terriers" instead? just refer to them as mixed breeds or something. "pit bull" isn't a breed, anyway, it's just a description that covers a collection of physical characteristics. this is such a goofy thing for insurance to get held up over--i've known so many pitties that were absolute angels. racial profiling is wrong, liberty mutual!

urbancowgirl

Thanks guys! I really wanted that one link to work, but it's only for California. What a great business plan, though! I would almost move west just to give them business. Almost.

Brokechick, that's what I did last time I had renter's insurance and it worked, but they're hip to the lingo now. They've broken it down into several distinct breeds that they list out. One of mine is a Staffordshire and the other is APBTish. And, you're right, this is all so silly! I think this is the list most of them are going by: Pit Bulls, Staffordshire Terriers, Chows, Dobermans, German Shepherds, Rottweilers, Akitas, Alaskan Malamutes, Bull Mastiffs, Great Danes, Presa Canarios, Syberian Huskies, Any Wolf Hybrid or any mix of the above breeds.

I will absolutely let you guys know if I find something!

anastasia beaverhausen

I have a boxer and I use Esurance (the also cover my car). Though not a pit, still considered a bully breed. You might check them out.

urbancowgirl

ZOMFG...I am being thwarted at every turn!

Here's what I just got from Esurance and I only got so far as to enter my name and address in their online system:

We are sorry, but at this time Esurance does not have a renters product that meets your profile. If you are interested in other lines of insurance please give Esurance a call.

This is almost hilarious. Thanks, though, AB! I'll keep trying. I'll give them a call, too.

anastasia beaverhausen

Really?? I'd give them a call - hopefully it's only a computer glitch?

carmen

A german shep mix qualifies?? Half of the dogs I meet at the dogpark are "shepard" mixes of some variety. SO stupid.

toadette

Do you have any family in the military (active or retired - can be grandparents, too)? I have my renter's insurance through USAA and I'm pretty sure they don't ask about pets.

opossumqueen

Toadette wrote: Do you have any family in the military (active or retired - can be grandparents, too)? I have my renter's insurance through USAA and I'm pretty sure they don't ask about pets.

If they don't ask, they may not cover them. So should something happen involving the dog, you're not covered.

salix

Check with www.adoa.org for a listing of insurance companies who do not discriminate. A friend with bully breeds has had State Farm for over 20 years and she is happy with them. They are on that list.

salix

Check with www.adoa.org for a listing of insurance companies who do not discriminate. A friend with bully breeds has had State Farm for over 20 years and she is happy with them. They are on that list.

stacey

Anastasia Beaverhausen wrote: I have a boxer and I use Esurance (the also cover my car). Though not a pit, still considered a bully breed. You might check them out.

Oscar a bully never - a lover yes, a bully no.

UC - check out this site for some info
http://tiny.cc/M4v4K

If you go to the middle they have some broker names (out of state) that office insurance.

I have homeowners insurance and an extra umbrella policy. Maybe if you purchase an umbrella policy it may include something there about pets.

Good luck

stacey

Anastasia Beaverhausen wrote: I have a boxer and I use Esurance (the also cover my car). Though not a pit, still considered a bully breed. You might check them out.

Oscar a bully never - a lover yes, a bully no.

UC - check out this site for some info
http://tiny.cc/M4v4K

If you go to the middle they have some broker names (out of state) that office insurance.

I have homeowners insurance and an extra umbrella policy. Maybe if you purchase an umbrella policy it may include something there about pets.

Good luck