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Does Florida renters insurance make u pay more for type dog and pool?
My cousin has been renting a house for about 3 years. When she signed the first 6months lease it had an "ok" to keep her dogs. The owner passed away about a year ago. The new owners (the original owners daughter and son n law) were asked by my cousin if she could have the pool, and they said yes. I don't think anything in writing. The new owners changed insurance companies. They came by today and said that unless she gets rid of her 8year old dog (because he looks like he might have German Shepard in him, but he's a lab mix) and take down her above ground pool then she would have to move out. They said that the insurance company came by, saw her dog and the pool and the insurance more than tripled. The new owners said they couldn't afford that insurance so unless she gets rid of her dog and the pool she had to move. The pool is not a real big deal, but she won't get rid of her dog. Is this the law in Florida? Is there a list of breeds that insurance companies have to go by, or is it the discretion of the individual insurance company. Also same question about the pool.
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Yes most certainly additional risk. There is a list of breeds ( varies by company, that they won't even cover you, if you had a pit bull for example some companies would cancell you or specificlaly not cover anything about the dog. Many companies will require a pool to be fenced and can have additional charges. Same with many items |
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What does her renters' insurance agency say? I see people who pick up extra insurance either through the owner, paying the owner the extra premium, or on their own. If there is serious damage done by the dog, of course both parties will be sued and that is a consideration. Basically the owner gets to make the rules. However, if the owner is somehow biased against a GSD, then she should prove to him that that is not the breed. Maybe he doesn't care about lab mixes. |
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The pool has to be properly fenced otherwise it is a liability the insurance company does not want. Most properties in Florida won't let you have dogs period due to the mess and damage. And yes, insurance companies can and do decide what breeds they can and won't insure. And yes, the landlord can evict the tenant due to the pool and the dog. |
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