Is there a way to get around a landlord not allowing german shepherds due to their ‘renters insurance’?
Sara S asked:
Our landlord is telling us that due to her renters insurance, we can not have a german shepherd. Can we get ‘owners liability insurance’ to cover that?
It seems that is a bit discriminating…
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Our landlord is telling us that due to her renters insurance, we can not have a german shepherd. Can we get ‘owners liability insurance’ to cover that?
It seems that is a bit discriminating…
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heyteach
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Your landlord doesn’t have renters insurance–she owns the property–you are the one who should. I would contact YOUR renter’s insurance agent and ask him if your dog is or could be covered or what other products he has that could cover the dog. Then talk to your landlord about being willing to ensure that you have the appropriate insurance in effect for the duration of your living there so she has NO liability (that’s what she’s concerned about). Hopefully that will resolve the problem.
Does your lease ALLOW pets? If there is something about German shepherds in particular, I’d be surprised, though they DO bite more than some other breeds. Again, there should be a way to make sure she has no liability–if her insurance can add something–tell her you’ll pay the difference. Dog attacks/bites are something people need to be concerned about. (And I have a shepherd mix. I LOVE dogs, wish I could afford more than one.)
mbrcatz17
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Nope, you can’t. Even if you guys buy a renter’s policy (which, likely, will exclude coverage for an undisclosed german shepherd), it won’t protect the LANDLORD from a lawsuit if someone sues them because they allowed the dog to be there. And if your dog bites a kid, the lawyer is going to sue the landlord – that has money – not the tenant, that doesn’t. And they’ll pretty much win.
Which is why the landlord says, “no dogs”. The only way around it is to break the lease and have the dog there anyway. There’s nothing you can sign to “transfer” all the liability to you, that will actually hold up in court.
mrsdeli
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Some homeowners policies will not write a policy if there is a “dangerous breed” on the premises, or the premium is extremely high. Your landlord has every right to not allow the dog. This goes for Dobermans, Pit Bulls, Rottwielers, Shepards, and a few other breeds. Don’t forget, dogs can turn, bite, maul, and kill. I wouldn’t want to be liable for a dog attacking someone. I don’t think you can get liability for the dog on your own. Check with a local agent.