Question by Mark G: Can home insurance companies completely deny you because you have a dog that attacked someone at one point?
I’m going to try to keep this short.. just know that, this is for my dog and I’m trying to save him… he’s a 10 year old Akita.
A year ago, our family dog bit someone. They sued for an insane amount of money, but it wasn’t our fault completely, so our home insurance and their health insurance settled out of court for a lot less. Still, the settlement was expensive, and our home insurance didn’t like covering a 6-digit figure claim because of the dog so they dropped us.
Since then, all home insurance companies don’t want to cover us, “even if we don’t have a dog”, this information is by my father who doesn’t like the dog already.
There is only one house insurance that will cover us, according to my father, but they will only cover us if we don’t have a dog, and even then they will charge 4 times as much.
I’m not old enough to completely understand how insurance and claims and contracts work, but I’m just trying to save my dog, because my father is going to put him to sleep by the end of this month. I just need a good starting point or phone numbers that could maybe discredit what my father has been saying, or anything that could help. We live in Southern California. Apparently Akitas are listed as vicious, but at the age of 10, he’s old enough to be mellow, but still too young to put to sleep. Any help would be appreciated.
Thank you all very much for the quick responses, although not the greatest news :-\
I guess I’ve just heard from others that insurance companies can offer a liability waiver, sort of like car insurance companies do. In that way, owners and insurance companies agree that the animal will not be covered.
He’s a nice dog, we refuse to put him to sleep, worst case scenario is that he will live with someone else. Thank you all again.

Best answer:

Answer by Shannon G
I have heard that insurance companies won’t cover people with certain breeds of dogs due to the liability.

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