ROCHESTER, Minn. (KIMT) – Insurance companies are in the business of evaluating risk, and if a lifestyle choice you make is considered risky to them, it will affect your quote; if you’re given one at all.
A Rochester couple who found themselves struggling to get an insurance company to even give them a homeowners quote after they adopted a shelter animal.
Samm Adams and her fiancée Michael Quinones are thrilled to add a new member to their growing family.
“She’s a great dog, by far the nicest dog we’ve ever had,” says Adams.
They adopted their new dog Mika a few weeks ago and have recently been shopping around for new homeowners insurance. The couple was stunned to find that one particular company, refused to even give them a quote.
“They straight up said, we won’t do business with somebody who has a pit bull. We don’t even know for sure if she’s a pit bull but the fact that they would straight out say that, they didn’t give us the time of day, ” explains Adams.
The couple soon learned that this practice was not uncommon. It comes down to insurance companies not wanting to deal with a potential lawsuit if your dog bites someone in your home, which is why some companies blacklist certain breeds they deem “dangerous.”
“Each company is a little different, they’ll have a list of dogs that they maybe have on their restricted list which means if you do own that dog, you wouldn’t be eligible for a quote from certain companies,” explains Jacob Simons with Atlas Insurance Brokers. He says they represent companies on both ends of the spectrum and says it really depends on what company you go to for a quote.
“We can represent somebody from something as simple as no pets or a small common family dog to somebody who owns a farm that has all sorts of animals so it just real important that you just tell your agent what you have,” says Simons.
According to Forbes, pit bull mixes, like Mika, are one of the common breeds that fall on insurance company restriction lists.
Luckily for Mika’s family, they found several companies willing to provide them coverage. Now, the couple wants to share what they’ve learned with others who may be going through a similar situation.
“Don’t get discouraged, stick with it and don’t lie, find a company that will actually represent you even though you have that particular type of dog because that’s who you should give your business to, people who understand it has more to do with how you raise the pet that the breed of the pet itself,” says Quinones.