Tim Hardy took in a stray dog eight years ago. Hardy brought the dog, Max, into his home and nursed him back to health. Max has been part of the family ever since. Now, his homeowner’s insurance policy is cancelled because of Max.
His insurance company, United Insurance, sent Hardy a letter stating that there was an unknown and/or aggressive breed of dog on premises. Due to this, the company cancelled Hardy’s homeowner’s policy.
When the insurance company asked Hardy what kind of dog Max was, he answered, truthfully, that he wasn’t sure. Max’s owner added that he thought his dog might be a German shepherd/collie mix. Hardy said that once he said that his dog might be part German shepherd, the insurance company cancelled him, no questions or no options to the situation.
Hardy said that his dog isn’t aggressive and has never bitten anyone. There has never been an insurance claim filed on behalf of his dog.
When Hardy asked his veterinarian what kind of dog he thought Max was, he guessed that Max was part Chow. Even though with the veterinarian’s statement, Hardy says the insurance company is not open to making any changes.
The insurance adjuster explained to Hardy that Max looks like it has at least one of the breeds the company considers dangerous.
Hardy said the insurance company sent an inspector to spy on his property. He said that the only possible way they would have seen Max was to peek through the windows.
United Insurance said it is their policy not to insure a home that may have what they consider a dangerous dog. The company would not provide a list of dogs they consider dangerous.
Hardy is on the lookout for a new insurance company that will accept his Max.