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Personal Finances / Building / Maintaining a Home


Subject:  Re: Brinks — is it worth it? Date:  1/21/2004  9:48 PM
Author:  NoIDAtAll Number:  44992 of 137307

Two words: big dog.

Agreed - Dogs can provide good security. Security companies and police use them, in part, for that purpose and reason.

They are also regarded by the insurance industry as an added and, perhaps especially in homeowners insurance, an unacceptable additional liability exposure. Presence of Rottweilers, Pit Bulls, Chows, Dobermans and, to a lesser extend, depending on training and/or temperament, German Shepherds, and dogs with a bight history results in rejection of applications by many Homeowners Insurance companies under their underwriting guidelines, with rare, if any, exceptions made. Some insurers will accept policies, if the specified dogs are caged within a double-row fence separated by 3' to 4' between the rows of fencing - but their effectiveness as a guard dog is considerably diminished thereby, and some companies will accept policies with a dog bight exclusion signed by the Insured... but the market you can purchase insurance through is considerably reduced and you will likely jump through a hoop or 2.

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