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	<title>Comments on: Dogs and Homeowners Insurance</title>
	<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/</link>
	<description>Insurance discussion and general information</description>
	<pubDate>Fri, 30 Jul 2010 13:53:32 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.2.2</generator>

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		<title>By: Ashley</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-9050</link>
		<author>Ashley</author>
		<pubDate>Fri, 16 Jul 2010 12:12:46 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-9050</guid>
		<description>Steve,

You cannot do that- you do not know the dog. I am tired of how people freak out if they see a specific dog breed walking down the street well mannered with its owner. I have two 'dangerous breeds' in the house and they are the best animals that I would ever have. They absolutely love people and even will not growl or snap if you take their food bowl or come up to them. It is all up to the owner to "develop and raise" the animal correctly. 
I have met some pit-bulls and they may appear scary but they are so lovable.

Yes- it is important to keep the dog secure on your property and do not ever let it loose unless you're taking it out yourself with a leash.</description>
		<content:encoded><![CDATA[<p>Steve,</p>
<p>You cannot do that- you do not know the dog. I am tired of how people freak out if they see a specific dog breed walking down the street well mannered with its owner. I have two &#8216;dangerous breeds&#8217; in the house and they are the best animals that I would ever have. They absolutely love people and even will not growl or snap if you take their food bowl or come up to them. It is all up to the owner to &#8220;develop and raise&#8221; the animal correctly.<br />
I have met some pit-bulls and they may appear scary but they are so lovable.</p>
<p>Yes- it is important to keep the dog secure on your property and do not ever let it loose unless you&#8217;re taking it out yourself with a leash.</p>
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		<title>By: Steve Hackett</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8301</link>
		<author>Steve Hackett</author>
		<pubDate>Fri, 04 Jun 2010 17:35:58 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8301</guid>
		<description>How do you notify an insurer that your neighbor just bought a pit bull?
I'm hoping to get their homeowners company to pressure them to get rid of it.
 I have grandkids here.Is there any way to get the name of someone else's homeowners company?</description>
		<content:encoded><![CDATA[<p>How do you notify an insurer that your neighbor just bought a pit bull?<br />
I&#8217;m hoping to get their homeowners company to pressure them to get rid of it.<br />
 I have grandkids here.Is there any way to get the name of someone else&#8217;s homeowners company?</p>
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		<title>By: Dawn</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8073</link>
		<author>Dawn</author>
		<pubDate>Thu, 20 May 2010 22:33:23 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8073</guid>
		<description>Live stock guardians are NOTHING like herding dogs. I have heard of Kuvosz and Antatolian Shepherds on the list before. Caucasian Ovtcharkas SHOULD BE on the list but they are probably still rare.</description>
		<content:encoded><![CDATA[<p>Live stock guardians are NOTHING like herding dogs. I have heard of Kuvosz and Antatolian Shepherds on the list before. Caucasian Ovtcharkas SHOULD BE on the list but they are probably still rare.</p>
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		<title>By: Turkey</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8072</link>
		<author>Turkey</author>
		<pubDate>Thu, 20 May 2010 20:50:42 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-8072</guid>
		<description>Notice the pit bull supporters resort to name calling to try and get their point across while the rest of us with facts don't need to go there.  I love Jess' suggestions because it will crack down on poor ownership and overpopulation which kills these dogs by the thousands weekly.  But pit bull supporters are opposed to any law that singles pits out, regardless of how helpful it may be.  The data is not misleading - pit bulls cause the most human deaths, the most severe attacks, and its common for them to lead the overall bite count now as well.  Pit bulls usually make up the bulk of shelter residents and the reasons for calls to Animal Control.  Most dog bites are not a medical emergency, which is why we don't here the media reporting how many occur each day, and that goes for pit bulls as well.  So don't be fooled Chris, there might just be hundreds a day, even though pits are not popular and make up only 3-5% of the pet population.  As long as there are people like Ivan who keep human aggressive pit bulls and don't know the dogs are not supposed to make good guard dogs, this will be an insurance issue.  Pit bulls are also genetically dog aggressive unlike most other breeds, which can also lead to claims.  It is not fait for all of to pay higher insurance because someone wants an aggressive dog - let them pay for it in the same way someone would pay more for an expensive sports car.</description>
		<content:encoded><![CDATA[<p>Notice the pit bull supporters resort to name calling to try and get their point across while the rest of us with facts don&#8217;t need to go there.  I love Jess&#8217; suggestions because it will crack down on poor ownership and overpopulation which kills these dogs by the thousands weekly.  But pit bull supporters are opposed to any law that singles pits out, regardless of how helpful it may be.  The data is not misleading - pit bulls cause the most human deaths, the most severe attacks, and its common for them to lead the overall bite count now as well.  Pit bulls usually make up the bulk of shelter residents and the reasons for calls to Animal Control.  Most dog bites are not a medical emergency, which is why we don&#8217;t here the media reporting how many occur each day, and that goes for pit bulls as well.  So don&#8217;t be fooled Chris, there might just be hundreds a day, even though pits are not popular and make up only 3-5% of the pet population.  As long as there are people like Ivan who keep human aggressive pit bulls and don&#8217;t know the dogs are not supposed to make good guard dogs, this will be an insurance issue.  Pit bulls are also genetically dog aggressive unlike most other breeds, which can also lead to claims.  It is not fait for all of to pay higher insurance because someone wants an aggressive dog - let them pay for it in the same way someone would pay more for an expensive sports car.</p>
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		<title>By: Jess</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7860</link>
		<author>Jess</author>
		<pubDate>Sat, 01 May 2010 15:58:08 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7860</guid>
		<description>Some insurance companies DO actually consider the owner and can determine if they will write the policy or not. I personally own huskies, but because I am a certified dog trainer, I crate my dogs, they have good references from day care and vets, and I have no small children, I was able to be insured without issue or penalty.

I think the real issue with the breeds on this list is that there is no control on who can own them. We need to start encouraging local and state governments to consider requiring people to get some kind of specialized training and certification, or proof of responsible ownership and experience, if they want to own and breed a dog that is on this list. My neighborhood is mostly renters, and many people who are irresponsible owners have pitbulls. And these are the people breeding more and more of them and filling up the shelters.</description>
		<content:encoded><![CDATA[<p>Some insurance companies DO actually consider the owner and can determine if they will write the policy or not. I personally own huskies, but because I am a certified dog trainer, I crate my dogs, they have good references from day care and vets, and I have no small children, I was able to be insured without issue or penalty.</p>
<p>I think the real issue with the breeds on this list is that there is no control on who can own them. We need to start encouraging local and state governments to consider requiring people to get some kind of specialized training and certification, or proof of responsible ownership and experience, if they want to own and breed a dog that is on this list. My neighborhood is mostly renters, and many people who are irresponsible owners have pitbulls. And these are the people breeding more and more of them and filling up the shelters.</p>
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		<title>By: Sarah</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7474</link>
		<author>Sarah</author>
		<pubDate>Mon, 22 Mar 2010 22:26:44 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7474</guid>
		<description>I have no problems with dog breed restrictions, in theory.  However, the dog bite statistics are often based on misleading data, which I feel often means that the wrong dogs are being discriminated against.

Most of the studies are based on dog bites requiring hospitalization.  Fair enough.  Except that includes everyone ever bitten by a trained police or protection dog - of course German Shepherds are high up on the list.

Also, many of the northern pulling breeds (Huskies, Malamutes, Akitas) are on the list.  This doesn't take into account that, according to one report, the majority of these bites take place among dogs who are kept in large dog sled packs in the north.  These are not your average household dog, but specialized dogs being kept by experienced dog sled drivers in remote locations.

I just think that it's hard to restict by breed unless we have useful statistics on what household pets are biting our neighbors.</description>
		<content:encoded><![CDATA[<p>I have no problems with dog breed restrictions, in theory.  However, the dog bite statistics are often based on misleading data, which I feel often means that the wrong dogs are being discriminated against.</p>
<p>Most of the studies are based on dog bites requiring hospitalization.  Fair enough.  Except that includes everyone ever bitten by a trained police or protection dog - of course German Shepherds are high up on the list.</p>
<p>Also, many of the northern pulling breeds (Huskies, Malamutes, Akitas) are on the list.  This doesn&#8217;t take into account that, according to one report, the majority of these bites take place among dogs who are kept in large dog sled packs in the north.  These are not your average household dog, but specialized dogs being kept by experienced dog sled drivers in remote locations.</p>
<p>I just think that it&#8217;s hard to restict by breed unless we have useful statistics on what household pets are biting our neighbors.</p>
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		<title>By: Casey</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7370</link>
		<author>Casey</author>
		<pubDate>Thu, 11 Mar 2010 20:18:38 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-7370</guid>
		<description>WOW, its amazing how misinformed some people can be.  It is not cost effective to check and see which owners are good and which owners are bad.  You have to make broad restrictions in order write business cheaply.  You dont even have to look at the dog bite statistics; just the fact that insurance companies won't write the business should tell you something.  If it were cost effective to write pit-bulls, there would be a bigger market for it, that is how business works in a free market.  Long story short, ALL companies will soon stop writing anyone with a pit-bull, regardless of how good of an owner you happen to be.</description>
		<content:encoded><![CDATA[<p>WOW, its amazing how misinformed some people can be.  It is not cost effective to check and see which owners are good and which owners are bad.  You have to make broad restrictions in order write business cheaply.  You dont even have to look at the dog bite statistics; just the fact that insurance companies won&#8217;t write the business should tell you something.  If it were cost effective to write pit-bulls, there would be a bigger market for it, that is how business works in a free market.  Long story short, ALL companies will soon stop writing anyone with a pit-bull, regardless of how good of an owner you happen to be.</p>
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		<title>By: Jessica</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-6309</link>
		<author>Jessica</author>
		<pubDate>Wed, 16 Dec 2009 04:05:29 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-6309</guid>
		<description>If the dog breeds on that list are all bad then maybe they should get rid of them all.  Oh no wait, maybe because that they are not all bad and all breeds of dogs can bit, and it's in their nature to do so, if not properly trained.  Why do they have to pick on some but not others. I believe it should be on a case by case, if the dog is properly trained, taken care of, have good conditions at home then the company should have to insure them.  I know so stupid kids that are aggressive and mean on our block and Im sure their parents have insurance.  What a bunch of crap.</description>
		<content:encoded><![CDATA[<p>If the dog breeds on that list are all bad then maybe they should get rid of them all.  Oh no wait, maybe because that they are not all bad and all breeds of dogs can bit, and it&#8217;s in their nature to do so, if not properly trained.  Why do they have to pick on some but not others. I believe it should be on a case by case, if the dog is properly trained, taken care of, have good conditions at home then the company should have to insure them.  I know so stupid kids that are aggressive and mean on our block and Im sure their parents have insurance.  What a bunch of crap.</p>
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		<title>By: don</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-5011</link>
		<author>don</author>
		<pubDate>Fri, 24 Jul 2009 18:58:05 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-5011</guid>
		<description>A German Sheperd is a "herding dog" and they are on the list. Just fyi.</description>
		<content:encoded><![CDATA[<p>A German Sheperd is a &#8220;herding dog&#8221; and they are on the list. Just fyi.</p>
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		<title>By: Ivan</title>
		<link>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-4755</link>
		<author>Ivan</author>
		<pubDate>Wed, 10 Jun 2009 21:41:50 +0000</pubDate>
		<guid>http://www.insuranceyak.com/dogs-and-homeowners-insurance/#comment-4755</guid>
		<description>[Deleted comments .. no name calling!!] , the dogs are not to blame, but irresponsible owners that don't keep them on leashes and such,any dog will bite if you invade his space, I got a pitbull because I got sick of people stealing stuff from my yard. I got the pitbull and nothing ever goes missing, I wonder why?. Get in my yard without permission and I believe you should get bitten, and insurance companies should not punish us for protecting our home.</description>
		<content:encoded><![CDATA[<p>[Deleted comments .. no name calling!!] , the dogs are not to blame, but irresponsible owners that don&#8217;t keep them on leashes and such,any dog will bite if you invade his space, I got a pitbull because I got sick of people stealing stuff from my yard. I got the pitbull and nothing ever goes missing, I wonder why?. Get in my yard without permission and I believe you should get bitten, and insurance companies should not punish us for protecting our home.</p>
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