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(Omaha World Herald)   American Family Insurance drops police officer from their homeowners insurance because they think the fact he lives with his partner, a trained police dog, is "too risky"   (omaha.com) divider line 14
    More: Asinine, American Family Insurance, homeowners insurance, police officers, police dogs  
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4884 clicks; posted to Main » on 24 Oct 2012 at 11:57 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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Archived thread
2012-10-24 12:35:15 PM
2 votes:
Does anybody else think automatically think fundie christian hate group when hearing about an organization with the term "American Family" in its name?

They should rebrand.
2012-10-24 12:22:39 PM
2 votes:

lantawa: Yeah. Well, the police guy is paying maybe $1,000 - $2,000 at most for the insurance. Liability limit is probably at $300,000. Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines. Agent exceeded binding authority when binding policy. Probably, the question was never asked of the officer whether or not he had "pets." Company discovered doggy/liability problems on post-binding contractually allowed property inspection ordered by the insurance company. On discovery, pending cancellation of policy was sent per company and State statutory guidelines. Non-story. Business as usual. Derp.


That dog is not a pet and does not belong to the officer. Even if the agent has asked those questions, the correct answer would have been "no". Better for the agent/company to be asking if any animals are owned by the insured OR kept on the residence premises.

You don't feel that the deputy has a point - that the dog is not owned by him but by the county and therefore liability for the dog is covered by the county? That proving to his insurance carrier that they don't have liability exposure due to the dogs actions wouldn't be enough to have them overturn their decision?
2012-10-24 12:21:59 PM
2 votes:
You buy the idea of being insured, not actual insurance.
2012-10-24 12:09:30 PM
2 votes:

BarleyGnome: Police dogs are uncontrollable weapons.


Well, they are if they attack a mother who's standing on the sidelines. If you bark back at them then they're just cute little cuddly things and you're being mean to them. And if, God forbid, you shoot one of them in a firefight, then they were Mighty Police Officers who died in the line of duty. In this country, you'll get more time for shooting a police dog than you will for murdering a 12 year old for bike parts.
2012-10-24 12:09:25 PM
2 votes:
My homeowner's insurance dropped me over having a rottweiler/mastiff mix that I rescued from the Humane League. What made it odd was prior to the mix my dogs had been: akita/malamute mix, malamute, pure bred rottweiler. The rotty died and a month later I rescued the mix, the home owners insurance dropped me over that. The purebred rotty rescued from an abusive breeder was apparently no issue, the mix with a clean history as a family pet (owners couldn't afford her anymore and had to give her up) was the deal breaker.

/my new insurance agent has a pitbull, so I'm not worried
2012-10-24 03:03:26 PM
1 votes:

BarleyGnome: Police dogs are uncontrollable weapons.


[Citation Needed]. The one that one of my Respiratory Therapist partner's husband has is a gigantic puppy. Unless you mess with her husband. His hault word is in dutch, strangely enough.
2012-10-24 03:00:26 PM
1 votes:

JesseL:
Finally, do you really think keeping police dogs isolated from their handlers and locked away in a kennel somewhere would do anything to help them be more sociable and less prone to attack?


Where I work, the deputies are required to maintain a "formal, distant relationship" with their dogs so that they don't become too soft towards humans. We have one deputy who obviously doesn't believe that, as his dog is approachable by anyone and gives out licks and snuggles freely. Of course, at one command from the deputy the dog goes into "work mode" and you don't want to be within 10 feet of him.

And yes, it's a Belgian Malinois.
2012-10-24 12:44:23 PM
1 votes:

Cold_Sassy: Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!


You had the wrong insurance company. Sometimes you get what you pay for. State Farm replaced our whole roof after wind damage, and USAA didn't bat an eye at storm damage my sister only discovered a year after the fact.
2012-10-24 12:37:49 PM
1 votes:

lantawa: Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines.


Or not.

FTFA: The company's prohibited breeds are Akitas, American pit bull terriers, Chows, Rott-weilers and wolf mixes, Witmer said.

\Belgian Malinois are really just a variation on the German Shepherd.
2012-10-24 12:37:33 PM
1 votes:
I find a cop complaining about unjustly applied 'because we said so' force mildly amusing.
2012-10-24 12:32:56 PM
1 votes:
Oops, random codes activated the door activation mechanism, just when the cop was in the toilet messing with his pants.

Link

/I think this is what police dogs are trained to do when a door randomly opens in the back of a k9 squad car.
2012-10-24 12:30:16 PM
1 votes:
Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!
2012-10-24 12:15:23 PM
1 votes:
Yeah. Well, the police guy is paying maybe $1,000 - $2,000 at most for the insurance. Liability limit is probably at $300,000. Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines. Agent exceeded binding authority when binding policy. Probably, the question was never asked of the officer whether or not he had "pets." Company discovered doggy/liability problems on post-binding contractually allowed property inspection ordered by the insurance company. On discovery, pending cancellation of policy was sent per company and State statutory guidelines. Non-story. Business as usual. Derp.
2012-10-24 12:07:33 PM
1 votes:

Grapple: Having been bitten on the head by a German Sheperd as a child... I would have to agree.


I was bitten on the ass by a mutt when I was a kid, and you don't see me getting huffy about it.
 
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