Insurance Rates ?

Question

Ok, I've been told by a reliable source that if you own a certain breed of dog that's on a restricted list at an apartment, the landlord's rates can increase.

Well here's an example.. Say that I have a pit bull. And I found an apartment that feel mighty right for me. But the apartment doesn't allow pit bulls, rottweilers, dobermans and shepherds.

Well, is it possible to cover the dog with your own insurance if your insurance company insures those breeds so you can keep the dog ?

Answer 1

That's up to the apartment management.  You're asking for an exception to their rules.

Answer 2

What exactly is the apartment's rule?

1)  If the rule is that such dogs are only allowed with insurance, then make sure you get the type of insurance required by the landlord.  But I really doubt this is the case.

2)  Much more likely, the rule is no dogs of those breeds, period.  In that case, even if you can find insurance (which I doubt), it won't make any difference in terms of the apartment.  No pit bulls means no pit bulls.

Additionally, depending upon where you live, landlords may well be able to charge more for pets or even for certain types of pets.  Where I live, many apartments charge an additional $50-$100 per month per dog...but that's only for the breeds they allow.  Many landlords prohibit the breeds you mention.  Many include Chow Chows on the list, too.  If someone has a dog that's on the list, the dog cannot live there.  They either need to find another home for the dog or live elsewhere.

Answer 3

What insurance covers for this type of dog?  I work in insurance and know that so far all the carriers I've ever worked with will not insure it.  

Most carriers will have you sign a waiver of liability on this dog so be expecting it.  Also, take precaution, when the dog decides to bite, you will be liable and sued.

Answer 4

There is only one insurance company that I know of that will insure the property of a pit bull owner, and only then with a dog exclusion so that you have no liability coverage for the dog. None of the other companies will even talk to you.