Insurance for dangerous breed companion dog

[Lisa Troxel]

Just got my renewal policy in which the company reiterated that they will not cover damages from dogs on their exclusion list (dangerous breeds). The property is in Idaho where pitbulls are everywhere. The insurance company says make sure your tenants have insurance but that won't stop me from being sued also. My umbrella insurance will not cover me either if my basic policy does not.The fair housing agency has said get another insurance company and the only one that I have found so far is much more expensive. How are you all dealing with this issue? Any insurance companies that you would like to recommend?

[Mike Cumbie]

@Lisa Troxel

DISCLAIMER: Not legal advice, just the ramblings of some dolt on the internet.

The standard is "Reasonable accommodation". The beauty of that is nobody has to decide what is "reasonable" until it goes in front of a court. If it was me I would contact 3 other insurance companies and get quotes. I would then take the best company, find the difference and pass it on to the tenant. The regulations do not say "Landlord will pay for accommodations". For instance if a tenant needed a ramp and they made the request, it is considered "reasonable" that you would allow them to build a ramp and return the property to the same condition when completed. Nothing "at least to my knowledge" says you are required to bear the burden without compensation. 

I of course would be up front and let the tenant know what is happening and not just surprise them with an additional bill. 

Just my 2 cents and good luck!