White lie?

[legacy23]

Has anyone here said their pup was something other than an APBT to your insurance company or landlord? And if so what did you say your dog was?

[RealPitBull]

Not me, and I don't recommend it, since "pit bull" isn't even considered a breed anymore, just how the dog looks determines whether or not it's a "pit bull" as per insurance, landlord, laws, etc.

[sugar]

My apartment lease says that Chubby is a SharPei-Pitbull mix. Thats what his rescue thought so it was on paper somewhere. I can't deny he's a pitbull but for some reason they are more ok if he was mixed with SharPei because, as they told me, that probably makes him much nicer. Did it piss me off hearing that? Of course, but we had spent 3 months looking for a place and this place was going to turn us down if he wasn't a mix.

The stupid part is, is that SharPei's are more of a guardian breed and more likely to have issues with so many strangers so close to their people and property. But in our building the neighbors all know Chubby is a pitbull and they are all in love with him (with the exception of a rare few). They all say "I can't believe I'm friends with a pitbull! He's my first pit I've ever played with!" and they take pictures with him to show off to their friends.

But yeah, with his extra skin making him look a little wrinkled, I tell landlords that he is a sharpei-pitmix. I wish I didn't have to (he even has a resume with graduation cert, and letters of recommendation!) but once they hear "pitbull" they turn us down.

[legacy23]

That's the answer I expected but not the one I wanted to hear. Like I can get a Dogo mixed with a Presa but not a boxer? This is some bullshit!

[maryellen]

Never lie. That is grounds for fraud and your hmeowner insurance will cancel. Some companies are fine some arent. Liberty mutual, Njm and farmers are fine with pitbulks. Some state farm and allstate are too as they are individually owned. I had lib mutual meet rufus and sadie and showed them rufus's resume

[legacy23]

I know that each and everyone of you are right but I'm not a quitter and I want to fight for what I want. I am considering getting a dog that isn't a pit. First on my list is a Dogo. If I get one and register it with the state, how does the insurance company determine exactly what the breed is? Do they come for a visit once they find out a dog is at the residence? Or do they just go by what it's registered as? I'm renting a condo by the way and I'm asking about the owners homeowners insurance.

[michele5611]

Does the place you are renting from not allow pits and or Dogos?

[maryellen]

Per insurance guidelines there are 17 breeds banned for homeowners insurance. Find a company that doesnt ban dogis. Most companies will do an inspection when u rnot home- if the dog looks like a pit or any of the banned breeds they will cancel your insurance. I do insurance for a living so i know what i am talking about. Feaud is fraud in insurance it doesnt matter what color the fraud is if you getcaught lying there are ramifications. Just find a carrier thst will write the breed you want toget

[maryellen]

Ps dog licenses are done by town so whatever you say the dog is is what the dog license will say

[legacy23]

This is the list of dogs they don't allow.

• If the pet is a dog, please refrain from housing potentially vicious, violent or dangerous breeds like:

o Akitas, American Bulldogs, Beaucerons, Caucasian Mountain Dogs, Chows, Doberman Pinschers, German

Shepherds, Great Danes, Pit Bulls, Rottweilers, Staffordshire Terriers, Wolf Hybrids, or any mix thereof.

o Any dog with a history of biting, or any dog underwriting deems ineligible.

[michele5611]

ME aren't there different levels of insurance for renting a condo? Do you need personal liability or can you just get insurance to cover contents?

I can't remember what I had when I owned my condo. I think I just had contents because when I first moved in I did not have Harley. I never updated it but did check to see if pit bulls were allowed in by-laws.

[michele5611]

ME also could the landlord require you to buy renters insurance?

[RealPitBull]

Did you ask if they consider Dogos to be "pit bulls"? That is a confusing list with odd wording ("breeds like" could include those breeds plus SOOO many more and is totally subjective), so I wouldn't take anything for granted and just ask upfront and make sure your breed is listed correctly.

[michele5611]

Sept 17, 2013 13:33:08 GMT -5 legacy23 said:

This is the list of dogs they don't allow.

• If the pet is a dog, please refrain from housing potentially vicious, violent or dangerous breeds like:

o Akitas, American Bulldogs, Beaucerons, Caucasian Mountain Dogs, Chows, Doberman Pinschers, German

Shepherds, Great Danes, Pit Bulls, Rottweilers, Staffordshire Terriers, Wolf Hybrids, or any mix thereof.

o Any dog with a history of biting, or any dog underwriting deems ineligible.

Cause a lot of people have Beaucerons and Caucasian Mountain dogs!

[legacy23]

Thanks for the info Mary. But by what your saying, "if a dog looks like a breed that they don't allow then they can drop you", that means that I can get a Dogo, clip the ears and they can call it a pit and drop me? Is that right? Because I'm pretty sure the people they have looking at the dogs aren't experts in all breeds.

[RealPitBull]

Based on the wording that you posted, it seems they have a lot of leeway to decide randomly what is or is not an acceptable breed. So I'd be worried about getting something that looks like a Pit Bull or is sometimes lumped in the "pit bull type" category, unless official paperwork stated, yes you may have such-and-such a breed. Maybe since Dogos aren't listed they would be acceptable? My point is just that it's waaaay too ambiguously worded and for me, personally, I wouldn't feel comfortable trying to fly something in under the radar.

[legacy23]

Let me be a little more clear. I'm not asking about my renters insurance, I'm asking about homeowners insurance because my landlord said that his doesn't allow those dogs I listed above. I really want to have a better understanding of the process so that I can sit down with him and have a conversation about this. I have a feeling that his insurance actually allows pits but he's just a little nervous about them. ME, thanks for all of your help. My intention is not to lie. It's to find a legal way to get what I want. If there's a loophole or technicality, I'll take it.

[legacy23]

I understand what you're saying completely, I don't want to be in a situation where they can say I can't have my dog, that's not fair to me and my family or the dog. So, should I ask for the "exact" list of breeds I cannot own and get in writing that I can have any breed not on the list? Or should I give them a breed and say this is what I want? Or do I go as far as showing them a specific dog and saying "this is (insert name here) and his breed is X, can I have this dog? I'm not really sure what to do.

Sept 17, 2013 13:45:31 GMT -5 RealPitBull said:

Based on the wording that you posted, it seems they have a lot of leeway to decide randomly what is or is not an acceptable breed. So I'd be worried about getting something that looks like a Pit Bull or is sometimes lumped in the "pit bull type" category, unless official paperwork stated, yes you may have such-and-such a breed. Maybe since Dogos aren't listed they would be acceptable? My point is just that it's waaaay too ambiguously worded and for me, personally, I wouldn't feel comfortable trying to fly something in under the radar.

[RealPitBull]

Well based on that wording, if that's from the landlord's insurance, Pit Bulls are out. The next step is finding out if they consider Dogos an acceptable breed to own.

[RealPitBull]

I would flatly ask if they accept Dogo Argentinos/Argentinian Mastiffs.