- 3 years ago
- Wedding: September 2013
I need some help here.
My MIL changed her homeowners insurance about 4 or 5 years ago (I think for money purposes). So she called them a few weeks ago because she had a random question or issue pop up, and while she was talking to the agent, she mentioned that she got a new dog about a year ago.
The agent asked what kind of dog it is and my MIL said that it was a lab/pit bull mix.
The agent apparently got really rude and ignorant right away and said that they’re going to have to send her paperwork to fill out and she will have to send them a picture of the dog and they will probably drop her coverage because she has a pit bull.
My MIL stated that the dog was only PART pit bull and he is still a puppy and is not aggressive, and was rescued from a shelter because his 1st owners couldn’t take him to their new home.
But the rep didn’t care and she has been in a phone call/email battle with them for all these weeks. She sent them a photo and they said that he looks like he’s a pure bred pit bull and “his jaws” look too big and dangerous.
So right now she still has insurance but they told her that if she is even a day late on her payment or anything out of the ordinary happens, they will drop her becuase of the dog. Apparently she’s now considered “high risk” or something.
Like …. really??? Is this even legal??
My MIL has had dogs her entire life -mutts – a lab/dalmation mix, a shepard mix/a spaniel mix, etc.
And her dog is of course a little nutty as he is a puppy, but she has a fenced in yard (6 foot fence) and he has NEVER shown any aggression towards any person or other animal. He doesn’t even bark when the mailman or pizza delivery guy comes to the door!
I know that IF they dog attacked or injured someone on her property, that would go against her insurance (this happened to my friend’s parents) but …. can they really drop her coverage or consider her high risk because the dog she has is part pitbull???
(and please don’t give me any BS that this is a dangrous breed. There is no such thing as a dangerous breed. Anyone who knows anything about dogs wiill tell you this. Any breed can be dangerous if they are treated badly and brought up to fight or be aggressive).