Insurance after a dog bite

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bigdaddy:
My dog bit a neighborhood child about 9 months ago around christmas. The bite was on the hand and needed a few stiches. When I reported it to the insurance they settle the claim without notifying me of the final outcome and now they are going to drop my homeowner's insurance policy in November when it runs out.
I tried some other insurance companies but none will insure the house with the dog on the policy. I even found this agent that does insurance for zoos and circuses but he has a deductible of $5000. Aren't dogs supposed to get a second chance? How can I get insurance for the dog and not have to put him to sleep? Has anyone else had this problem?
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Melinda Shore:
[nq:1]Aren't dogs supposed to get a second chance? How can I get insurance for the dog and not have to put him to sleep? Has anyone else had this problem?[/nq]
Try 1) going to an independent broker who works with a variety of insurance firms, and/or 2) a carrier who provides farm and agricultural coverage.

Melinda Shore - Software longa, hardware brevis - (Email Removed)

I'm walking the dog, all day and all night
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Anonymous:
[nq:1]My dog bit a neighborhood child about 9 months ago around christmas. The bite was on the hand and needed ... I get insurance for the dog and not have to put him to sleep? Has anyone else had this problem?[/nq]
Oh man that's a problem an unfortunate number of people face. http://www.sure-net.com/board/messages/628.html
http://www.newsreview.com/issues/sacto/2002-06-20/news.asp

Work with an insurance broker and you can probably insure around the dog - but if you want the dog covered then that $5,000 deductible is very reasonable.
Diane Blackman
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Tricia9999:
[nq:1]Aren't dogs supposed to get a second chance? How can I get insurance for the dog and not have to put him to sleep? Has anyone else had this problem?[/nq]
Most companies are not giving a second chance to dogs anymore. They are dropping homeowners after one bite.
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Lynn K.:
[nq:1]I tried some other insurance companies but none will insure the house with the dog on the policy. I even ... I get insurance for the dog and not have to put him to sleep? Has anyone else had this problem?[/nq]
Your dog is alive after a bite - he's already living his 2nd chance. Accept the fact that you're going to have to put some additional work and money into getting replacement coverage.
A common approach is to get a bond from a bonding company for the initial $500k or so of liability, then write a proposal to underwriters for standard homeowners' coverage, with the exception of primary liability related to the dog coming from the bond. An independent agent can walk you through this process and present the proposal to various companies. Expect there to be some pretty stringent clauses on what you can or cannot do with your dog. For example, one rescue that had one bite case settled out of court now has to walk every dog on 2 leads - held by 2 people.

If I were you, I'd grab that policy with the $5000k deductible for damages deriving from the dog! I sincerely doubt that you'll find a better deal.
Lynn K.
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