There is a penalty for misrepresenting information requested on an application for insurance. When you sign the application you are certifying that the information you provided is true. If the company determines that you lied, it won't pay the damages and may prosecute you for fraud. The fine can be expensive.
No Insurance company discriminates against dogs or a breed of dog. Your insurance company does not decide what breed of dog or other pet you own. However most insurance companies do have coverage restrictions regarding animals and various breeds.If you want to own a pit bull, that's fine, If you want to own a 900 pound Bengal Tiger that's fine, Grizzly Bear, Alligator, great, but that does not mean your home insurance company has to offer you coverage for incidental injury and damages that arise out of your choice of pet.AnswerAre you talking about Farmers Insurance Exchange, the company, or insurance policies that farmers buy? If you are talking about the company then call your agent but yes they probably do have some restrictions as most companies do.
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No an American bulldog is not a dangerous breed not insured by American family insurance.
Homeowners insurance and DogsNo insurance company discriminates against a dog or breed, However, Insurance companies are increasingly unwilling to be liable for injury due to dog attacks and more specifically certain breeds that have been associated with historical high liability claims rates.Many insurers are no longer being specific about the type of dog covered because policy language and structure these days increasingly excludes coverage for all damage or injuries caused by pets by default. When they are excluded it no longer matters as to your dog breed because no coverage is afforded for damages that result from our choice of pet.More Input from Faq FarmersState Farm does not have any breed specific rules. I too had to shop around because I have a pitbull.I have been a happy State Farm client for 6 years. I was in a car accident and the person who hit me had them for insurance. I was so impressed with the way they handled my claim, I changed my insurance company to include health and home owners. I was even happier the day that I "slipped" and mentioned my "Bubba" was a pit, my agent went on to talk about she too had a mix!Allstate Insurance, I have had very good service from this company. I own Cane Corso Mastiff, Dogo Canario, and Doberman. Additionally, I foster all breed types. When I added this home to the policy, they just came out, looked at the exterior of the home and that was it. No problems.I would be careful to make sure you are being up front with your insurer regarding your dog's breed. This issue is relatively new to the marketplace and is ever changing. Many insurers will charge you more premium for a specific breed and others will exclude certain breeds if you have a claim. As long you are upfront with the breed and understand the ramifications of having that breed (higher premium, reduced coverage, etc) then you should be all set
It's not a matter of legality. It's a matter of the companies underwriting guidelines. No insurance company is going to cancel your policy due to your having a service dog. They can however cancel your policy if you own a certain breed of dog that is on the companies prohibited list. For example, If a company does not allow Pit Bulls, then that won't change simply because the Pitt Bull has been trained as a service dog. If they made an exception for that breed because it is service trained, then the company could be accused of discrimination against all those who's Pitt Bulls are not trained for service.
Champdogs is a company in the UK that sells puppies. This company also provides guides to buying puppies, researching the breed, performing health tests and choosing the breed.
Get rid of your pit bull. (Or Rotties) There is nothing you can do . . . the insurance companies are in business to make money, not to give their money away. It is known that of all dogs that have killed people, pits are responsible for about 67% of those deaths. An insurance company would be crazy to insure someone who owns a pit. Overall across America, they would lose money. When insurance companies write insurance policies, they have to do so on the basis that they won't even have to pay out on the vast majority of policies sold.
Dog insurance is just like the insurance that we carry for ourselves. By purchasing dog insurance it will assist in the coverage of things such as surgeries that your dog may require to have. If you have purchased a breed that is known to have problems it might be a good investment. There are varying options for dog insurance. http://www.petinsurance.com/ http://www.moneysupermarket.com/c/pet-insurance/dog-insurance/
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His name is Chester and is a terrier mix
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Depending on the breed of dog, some insurance companies will offer free quotes and those can be compared side by side to see which is most appropriate for your situation and your wallet.