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Old 08-18-2010, 07:50 PM   #1
indianstory

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Default Need PA folks feedback..
I've posted questions about homeowners insurance previously. I just read a recent article that said that it is illegal in Pennsylvania for insurers to deny coverage based solely on the breed of a dog. Does anyone know anything about this? Does anyone have a link to this law?

I don't want to cause an uproar at my insurance company, more or less just prove a point to a (family-friend) insurance agent who made me deal with the hassle in switching policies and losing my multi-policy discount.
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Old 08-18-2010, 09:44 PM   #2
asivisepo

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I live in PA but haven't really heard about that. Please, if you find out let us know.

The only thing I can think of near that is the law banning breed bans.
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Old 08-18-2010, 10:08 PM   #3
indianstory

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Here's a link to the article I was reading:

http://www.bankrate.com/finance/insu...surance-4.aspx

It's possible that I could have read something wrong, but when I googled an insurance breed restriction in PA, I got the same type of answers from other websites: "Only Pennsylvania and Michigan have laws that prohibit insurers from canceling or denying coverage based on breed, according to the Insurance Information Institute."

It goes on to say that they can raise your rates (understanably), and if your dog has bitten before, they can adjust rates or exclude your pet. But the way I'm reading it is implying that just because you say you have a pit bull/pit bull mix, you CAN NOT be denyed coverage!!

I wish I could find the law that prohibits this so I could prove the agent wrong!!!
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Old 08-18-2010, 10:23 PM   #4
sztc38tg

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Pa resident here.This is what I have heard as well. They can if it is a ''dangerous dog'' but not by the dogs breed alone. Pa dog law states that an owner a 'dangerous dog'...... which is defined generally as a dog that has attacked a person or domestic animal without provocation (regaurdless of breed) to have liability insurance of at least $ 50,000 and prohibits a policy from excluding coverage for any specific dog breed.

Here is a link for you........

http://www.cga.ct.gov/2005/rpt/2005-r-0399.htm

Hope this helps you.
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Old 08-18-2010, 10:31 PM   #5
indianstory

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Thanks Prophecy!!

The insurance agent even came and met my dog (who greeted her with kisses), submitted pictures to higher authority and STILL denied my policy. Since she is a long-time friend of the family, I'd like to get her response to this issue. And maybe get my better policy back!!
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Old 08-19-2010, 05:13 PM   #6
glamourcitys

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The good news is that MI and PA have the law. The bad news is that the insurance company forced to cover you is also able to charge whatever fee they want. I would bring the law to their attention, but it might turn out that they will charge you so much more that the multi policy discount wouldn't make up for it.
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Old 08-19-2010, 05:26 PM   #7
indianstory

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MJJean--I know they are able to raise my fees, though, the law seems to state that only dangerous dogs (after previously attacking) are able to incur a higher liability.

Personally, this insurance agent & boss were so arrogant and ignorant that I'd simply just point it out to them that it's illegal. They looked at me like I was crazy to say that insurance companies should be allowed to do that.. knowing that it's prohibited kind of makes me not seem so crazy

Thanks for the feedback!!
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Old 05-20-2023, 12:26 PM   #8
UlyssesTurner

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Laws regarding homeowners insurance and coverage for specific dog breeds can vary by state. It is possible that Pennsylvania has enacted legislation prohibiting insurers from denying coverage solely based on the breed of a dog. Such laws are typically aimed at preventing breed discrimination and promoting fair insurance practices. To obtain accurate and up-to-date information about the specific law in Pennsylvania, I recommend reaching out to the Pennsylvania Insurance Department or consulting a local attorney specializing in insurance law and you can get know more about payday loans to check advance loans info. They will be able to provide you with the most accurate and current information regarding the legality of denying coverage based on dog breeds in Pennsylvania. If you want to discuss your situation with your insurance agent, it may be helpful to gather specific details about the law or regulation in question to support your argument.
Last edited by UlyssesTurner; 06-02-2023 at 08:46 AM.


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