Did You Know You Could Lose Your Home?

@celticeagle (159008)

Boise, Idaho

September 30, 2022 7:45pm CST

I was watching some episodes of Judy Justice(Judge Judy's newest show) and there were several people there in litigation over Pitbulls and other high-risk dog breeds hurting other people's animals or people. Judge Judy explained something I hadn't been aware of at one point that I thought was interesting. If a person owns a home and they have a high-risk breed dog (like a Pitbull, Perro de Presa Canario, Rottweiler, Bulldog, Doberman, and several others)they need to check and see what the local laws are concerning their particular breed and home owner's insurance. There have been cases of people losing their homes. People don't have the high-risk type of home insurance they need to have if they have a high-risk breed pet and so if something happens with their dog and they are found libel they can be sued. I'm sure many of you are aware but I thought I would put this information out there in case someone didn't know.

13 people like this

14 responses

@noni1959 (9886)

• United States

1 Oct 22

I knew this about insurance. Many years ago, I evicted someone, and they left their rottweiler. The dog was so friendly and sweet, old and couldn't move very well but my insurance said no and dropped me since I was going to keep her and care for her in old age. I didn't tell them, but they saw her when they did their annual photos. I called all around and no one would cover me until she was gone. I found her a good home and thankfully it was someone who was able to hide her. I was able to get another insurance after. I learned a lot about animals and insurance back then and even now.

4 people like this

@celticeagle (159008)

• Boise, Idaho

1 Oct 22

That's quite a story. I see both sides of this issue. It would be very hard. Some insurance companies just charge higher rates I thought.

1 person likes this

@TheHorse (205745)

• Walnut Creek, California

1 Oct 22

Interesting story.

1 person likes this

@noni1959 (9886)

• United States

1 Oct 22

@celticeagle Not for more dangerous (in the publics opinion), dogs. They can be sued for a lot of money.

2 people like this

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@MarieCoyle (28507)

•

2 Oct 22

I had a rescue friend adopt a Rottie that no one wanted. Her insurance threatened to drop her, so she told the insurance guy to please come over, which he did. The dog was older, very calm, and very sweet and loving. He didn't raise her rates. I was bitten rather badly once on the arm when trying to help a pit bull that was supposedly not a threat to anyone. Of course, the owner had no insurance at all. And you are right, there are cases that have been very costly, and people have lost their homes.

2 people like this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

And it just comes down to being responsible and honest about it.

@wolfgirl569 (95165)

• Marion, Ohio

1 Oct 22

Some insurance companies here wont cover certain breeds.

1 person likes this

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@celticeagle (159008)

• Boise, Idaho

2 Oct 22

@wolfgirl569 ......That's all you can do.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

That's what I am getting at. People need to check and be honest if they have one of these breeds.

1 person likes this

@wolfgirl569 (95165)

• Marion, Ohio

2 Oct 22

@celticeagle I just lept calling until I found one that would.

1 person likes this

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@RasmaSandra (73407)

• Daytona Beach, Florida

1 Oct 22

That is very interesting I had no idea now I am glad I am a cat person.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

1 Oct 22

I thought so too. And have always been a cat person. I wonder about the Blue Heeler breed. Ole Stryder used to bite the post man.

2 people like this

Lenore Plassman

@sallypup (57869)

• Centralia, Washington

1 Oct 22

@celticeagle Read my comment above. The original dog trainer that I took Sally to said that for sure Heelers are on the Oh God list.

2 people like this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

@sallypup .........I did. Doesn't surprise me.

1 person likes this

@TheHorse (205745)

• Walnut Creek, California

1 Oct 22

I had not heard about that. Kitty is pretty vicious toward mice and fence lizards, but I've never seen her attack a person.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

I think some breeds can revert to instinctual behavior in some situations, no matter how well trained or treated they are. I'm no expert but I think this could be true.

1 person likes this

@TheHorse (205745)

• Walnut Creek, California

2 Oct 22

@celticeagle I am sure that's true. Especially when really stressed.

1 person likes this

@Deepizzaguy (94526)

• Lake Charles, Louisiana

1 Oct 22

I did know about the laws in some communities dealing with an owner of a dog high risk breeds that you mentioned.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

It is good that you are aware.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

@Deepizzaguy ......It probably depends on what goes on in certain communities.

1 person likes this

@Deepizzaguy (94526)

• Lake Charles, Louisiana

2 Oct 22

@celticeagle I know in some communities in the north shore of Louisiana Pit Bulls are banned.

1 person likes this

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@GardenGerty (157551)

• United States

2 Oct 22

I know that there are several high risk breeds, but any untrained pet is a risk. I only ever have been bit by a small poodle. There ought to be a way to insure an animal that would not risk homeownership.

@snowy22315 (169967)

• United States

2 Oct 22

I did not know this.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

That is why I wanted to share this information. That some may not know this.

1 person likes this

@FourWalls (62133)

• United States

1 Oct 22

Well, I can’t because I don’t have a pit bull. I do know that they ask those questions about certain breeds (they didn’t bother asking about my pet rattlesnakes, though

[kidding!!!!]) when you’re updating or renewing homeowners policies.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

Just wanted to let those who didn't know get the word just incase.

1 person likes this

@LadyDuck (458091)

• Switzerland

1 Oct 22

We have to register the animals we own and some breeds are not allowed. All animals owners have to be insured in case the animals cause problems.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

Yes, they do.

1 person likes this

@DaddyEvil (137145)

• United States

1 Oct 22

Oh, yes, I definitely know this is true!

1 person likes this

@mom210 (9036)

• United States

1 Oct 22

i had no idea, thanks for the heads up. sounds like another example of those in power teaching us how to behave and punishing us when we don't.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

Yeah, it does.

Lenore Plassman

@sallypup (57869)

• Centralia, Washington

1 Oct 22

Years ago an insurance agent asked me what kind of dog did I have? I showed him Sally my gentle Heeler. Agent was fine then but Heelers are on the no no list, like Dobies.

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

I kinda thought they might be.

1 person likes this

@LindaOHio (156159)

• United States

1 Oct 22

Thank you for the information. We've always had Spitz breed dogs; and don't have any dogs anymore. :-(

1 person likes this

@celticeagle (159008)

• Boise, Idaho

2 Oct 22

I like to let people know about these things as I learn about them incase they don't know either.

1 person likes this