Several months ago, I published two posts on insurance companies refusing to cover people with dogs on their “dangerous breed” lists. You can find them here and here. I was very proud of them and I think I included great tips for people trying to get coverage. But, I don’t have a massive readership (though you are a very faithful group, thank you). So old posts eventually disappear.
I think this topic is important enough that I wrote a new post on it on my other blog, Hands on Home Buyer. And I wondered if it was bad manners or too self-promoting to cross post back here. But I decided to link to it and here’s why.
You may read about cities and provinces where certain dog breeds are banned. And when you hear about a dog who got loose accidentally being killed because of a breed ban, you’re shocked and horrified. But sometimes a small thing that affects you personally can move you more than a big thing that happens “somewhere else.”
I know it’s true for me.
When I lived in Philadelphia, I lost my insurance coverage. Not because of my dogs but because I lived in a poor, predominately African American neighborhood. Because insurance companies were prohibited by law from refusing coverage for certain neighborhoods, they started withdrawing from entire cities. My neighbor who had homeowner’s insurance through Prudential for 30 years without making a claim had his insurance canceled shortly after mine was.
Because I had a mortgage, I had to find coverage fast. I ended up paying over $1000 a year to insure a $74,000 house made of brick. Families who owned houses (made from cheesier materials) outside the city worth over $300,000 were paying $300 a year.
I had always known that many companies had policies that hurt poor people and minorities but witnessing it first hand woke me up.
And that’s the long version of why I decided to link back to a post on Hands on Home Buyer that links back to Something Wagging This Way Comes.
You can check it out here.
And let me know about your situation. Have you been denied coverage because of your pets? Do you know someone who has? How did you deal with it?