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Post by michele5611 on Sept 17, 2013 13:58:32 GMT -5
K sorry a little slow this afternoon!!! You don't need homeowners you are covered under landlord and his insurance does not allow aforementioned breeds.
Yes to what Mary said - just find out if Dogo Agrentinos are acceptable and get it in writing.
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Post by michele5611 on Sept 17, 2013 14:03:16 GMT -5
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Post by legacy23 on Sept 17, 2013 14:41:12 GMT -5
Ok peeps, I've got to say thanks a ton for the advise and help you've given me so far. I feel like I have a better understanding of the situation and I am going to come up with a plan to do this the right way. I'm going to upload the actual Pet policy that my landlord wants me to sign. I have drafted up an email that I want to send to them. My next step is to write up a few questions to ask when we actually do talk, whether it be via email phone or in person. Any further help you guys can give is much appreciated. Thanks 8 Gregory Lane Pet Ownership (08-31-13).docx (23.59 KB) Here is what I would like to send to him in an email what do you guys think. And once I do talk to them, what should I say and what's the best way to word it? Hi Abizar & Arshad, I'm very grateful that you have agreed to allow me and my family to own a pet. I would like to know if we could communicate to clarify a few details about the policy. It appears to be a little vague with regard to the breeds allowed and not allowed. Thanks Kevin |
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Post by RealPitBull on Sept 17, 2013 14:47:47 GMT -5
This is from Maryellen, she cannot get to a computer:
~Mary
Pls tell legacy he can only have homeowners if he owns a home. If he has a landlord he doesnt own thehome and needs renters ins. And yes if it loiks like a banned breed it will be excluded. Is the list he posted from a hoa or ins co? He is confusing with stating he has a landllord. Also you can have just contents cov but most landlords want liab too . You can just copy and paste this and reply for me lol.
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Post by RealPitBull on Sept 17, 2013 15:05:46 GMT -5
Hey Kevin, if you want to talk to Maryellen about this situation since she is in the business, PM me and I'll give you her cell. She offered to help  |
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Post by legacy23 on Sept 17, 2013 15:07:11 GMT -5
Thanks Mary, I'm sorry if what I said was confusing. I am renting a condo. My landlord has homeowners insurance. When I asked about Pit Bulls he said that he would have to check with his insurance company. When he got back to me the attached policy is what he gave me. I'm not sure if this comes from his insurance company or if this is from him and his partner. I'm think, after conversing with you guys, that it's coming from him and his insurance doesn't have a ban on breeds. If that's the case then I just have to try to convince him to let me have what I want.
Let me know if I'm not being clear enough or if there is more info needed.
Thanks
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Post by RealPitBull on Sept 17, 2013 15:10:13 GMT -5
Nope, I got it! It's a confusing issue, no worries. My bet is that he came up with that wording because that's what his insurance told him to say.
That opening letter you want to send to your landlord sounds perfect, just ask up front if you can have a Dogo. Name the breed specifically and see what he says. I think that's the only way you can handle it.
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Post by michele5611 on Sept 17, 2013 15:16:56 GMT -5
I agree - ask him up front what he says about a Dogo my guess is he will probably have to "check" on that. Maybe then you will have a better idea if that is his policy based on suggestion or the acutal insurance company's.
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Post by legacy23 on Sept 17, 2013 16:01:45 GMT -5
Ok, I'll do that. I feel like if this is coming from him and not his insurance then I should be able to convince him to allow pits.
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Post by maryellen on Sept 17, 2013 16:10:14 GMT -5
ok on a laptop for now. i bet that was his insurance company list of banned breeds,as its pretty universal. also, if the breed has any of the banned breeds in it and the insurance company looks up the breed and sees there is a banned breed in the genetics they will ban that dog too... i am pretty sure dogos have apbt in them somewhere
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Post by legacy23 on Sept 17, 2013 16:37:35 GMT -5
Where are the insurance companies looking when they search for this info? I couldn't find apbt in there. Also the part where it says "or any dog underwriting deems ineligible." What does it mean by that?
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Post by maryellen on Sept 17, 2013 18:09:27 GMT -5
www.dogbreedinfo.com/dogo.htmIn the 1920s the Argentine Dogo was developed in Argentina by Dr. Antonio Nores Martinez and his brother Agustin. The brothers wanted an ideal companion dog that was also a good pack hunter and guardian. The breeds that were used in the development were the Great Pyrenees, Irish Wolfhound, Pointer, Great Dane, Dogue de Bordeaux, Boxer, Spanish Mastiff, Bulldog, Bull Terrier and a now extinct mastiff-type breed called the Dog of Cordoba. The result was a bullish, fearless hunter who also had great stamina. The white coat deflected the heat rather than absorbed it. Unfortunately the breed earned a bad reputation in Britain when people started using the dogs for dog fighting, which is an activity still popular in many parts of South America and elsewhere. Rather than go after the dog fighters, Britain has enacted a national legislation to control dogs in public. The Dangerous Dogs Act which came about in 1991 totally bans the three breeds Fila Brazileiro, Dogo Argentino and Japanese Tosa. A fourth breed, the American Pit Bull Terrier, is allowed but is heavily restricted. The dogs must be registered, neutered, tattooed, microchipped and owners have to carry insurance. The dogs cannot be bred or imported and when in public they must be muzzled, leashed and handled by a person over 16 years of age at all times. This is a real shame. When properly raised these are all great dogs. A dog is what the master makes of it. Not all breeds are for everyone. People teach these dogs to fight, giving them a bad name. Banning the breed is not the way to solve the problem. Some of the Argentine Dogo's talents are hunting, tracking, watchdog, guarding, police work, narcotics detection, military work, guide for the blind, competitive obedience and Schutzhund. more info: www.huntingdogos.com/dogo_history.asp\The formula Antonio started was: The Fighting Dog of Cordoba, to which he added blood from.. The Pointer to give him a keen sense of smell which would be essential for the hunt. The Boxer added vivacity and gentleness The Great Dane it's size The Bull Terrier, fearlessness The Bulldog gave it an ample chest and boldness The Irish Wolfhound brought it's instinct as a hunter of wild game The Dogue de Bordeaux contributed it's powerful jaws The Great Pyrenees it's white coat and The Spanish Mastiff gave it's quota of power please note too, i know of NO reputable dogo breeders in the USA, you have to be careful of double deafness, and irresponsible breeders..
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Post by maryellen on Sept 17, 2013 18:13:33 GMT -5
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Post by maryellen on Sept 17, 2013 18:23:38 GMT -5
also, the landlords insurance is probably declining all 12 restricted breeds , which is why he put that in the lease agreement about certain breeds.. if you have a restricted breed and his insurance finds out his insurance company can cancel the landlords insurance.... state farm, allstate, njm, liberty mutual, they insure some of the restricted breeds but not all of them.. you need to know that to the insurance carriers if it looks like a restricted breed they wont allow it.. the underwriters go based on what they are given as to breed description and on the internet... so if it looks like a pit,dobe, chow, etc it will be to them.....
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Post by maryellen on Sept 17, 2013 18:25:05 GMT -5
and michele you are incorrect, legacy would NOT be covered under the landlords insurance policy.. when you rent out a home to a tenant the insurance rules change , as its not a home you are living in but a dwelling you are renting out so the insurance rules are different..
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Post by michele5611 on Sept 17, 2013 18:35:12 GMT -5
ME I know he is not covered under landlords policy I just wasn't sure as a side note if he was required by law to get renters insurance or if it was something landlord could require.
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White lie?
Sept 17, 2013 19:00:06 GMT -5
via mobile
Post by maryellen on Sept 17, 2013 19:00:06 GMT -5
Renters ins is mot required byblaw but anyone renting should have it as it covers theft of your contents and liability in case someone falls on your premises or your animal bites someone as. Long as its not a restricted breed. If a burglar steals your tvs jewelry etc you have coverage wirh a renter pol. Ifyou have no insurance you get nithing
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Post by legacy23 on Sept 18, 2013 8:42:14 GMT -5
So lets say I speak to my landlord and he speaks to the insurance company and we all agree that I can have a Dodo. When I get one and register it as a Dogo, will an underwriter schedule time to come to my house to meet the dog? also, the landlords insurance is probably declining all 12 restricted breeds , which is why he put that in the lease agreement about certain breeds.. if you have a restricted breed and his insurance finds out his insurance company can cancel the landlords insurance.... state farm, allstate, njm, liberty mutual, they insure some of the restricted breeds but not all of them.. you need to know that to the insurance carriers if it looks like a restricted breed they wont allow it.. the underwriters go based on what they are given as to breed description and on the internet... so if it looks like a pit,dobe, chow, etc it will be to them..... |
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White lie?
Sept 18, 2013 10:08:21 GMT -5
via mobile
Post by maryellen on Sept 18, 2013 10:08:21 GMT -5
They might do unannounced visit and see dog from window . If ins dems dog jnacceptable they will give u 30 days to get rid of dog or find new insurance
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Post by legacy23 on Sept 18, 2013 13:05:41 GMT -5
I feel like that's ridiculous. Are they seriously trying to ID a dog from the window if no one's home? And this is what they use to determine if they will drop someone from their policy or force them to get rid of their dog? I feel like I'd sue them if they did that. What if the dog wasn't there when they stopped by?
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I look forward to learning much here