Dog liability insurance

[HappyKayakers]

Does anyone know of a company that writes dog liability insurance policies? Due to various circumstances, this is NOT a situation where it would be covered, or could be added to, either homeowners or renters insurance. Just looking for a stand-alone liability policy. Does this varmint exist? If it makes any difference, the dog is not on the aggressive breeds list (Weimaraner).

[rockhillmanor]

HappyKayakers wrote:
.... Unfortunately, someone decided to file a complaint against the dog and required the manager to treat it as an anonymous complaint. So, I was given no details about who complained or what the alleged incident was, just that the dog would have to leave the park....

Sorry to hear you are having problems.

An anonymous complaint certainly does not mean that the owner of the park can not give you the details of the complaint.

If you do decide to pursue this issue from a legal standpoint I would focus ONLY on requesting that the details be made available to you.

The owner knows he has to provide this info to you to substantiate any other requests from you such as an insurance policy.

Don't bother with petitions regardingyour feelings about your dog, your dogs track record, breed characteristics, etc., etc this will get you nowhere and will just in the way of trying to settle this.

If you have signed a contract for your rental, request in writing by certified mail requesting the details in the complaint that is resulting in management asking you to leave. At the bottom of your letter simply put CC: Greenbaum and Levit Attorneys at Law.

Management/owner KNOWS he will have to provide it to you. Trust me he won't let it go to the courts. And all it will cost you is the price of a certified letter with return signature required. This is usually all it takes to rattle a landlord.

This owner knows what he can and can not get away with, you just have to call his bluff.

[Dog_Folks]

LadyRVer wrote:
Please post back how this all turns out. IMO I think the post by kcmoedoe is right on. Maybe someone with an ankle biter has an issue with a larger dog??

Ankle biter or not, it is possible that someone has an issue and this is the start of "make him leave" campaign.

If I did not leave, I would be very careful to obey all the rules and document everything.

[LadyRVer]

Please post back how this all turns out. IMO I think the post by kcmoedoe is right on. Maybe someone with an ankle biter has an issue with a larger dog??

[kcmoedoe]

Glad you got your issue resolved. On a lighter note for most everyone but you. It is a shame this isn't a gambling site, because we could have a pool as to how many days it will be before whatever the real issue was rears it ugly head and the dog or it's owner will be facing eviction for some other dubious offense. To most everyone, it is obvious someone is trying to get you and your dog out of the park. I doubt they will let some insurance policy stop them in their tracks. (Unless the owner of that insurance company is in residence in that park and is now laughing all the way to the bank).

[Francesca_Knowl]

HappyKayakers wrote:
Found a policy and the dog is coming home tonight. For any of you in a similar situation, here's the website I purchased from: https://www.dogbitequote.com/Please note that they only write policies in 9 states.

Good to hear! I couldn't find anyplace on the site where I could actually read a sample policy- did I miss it? I'm interested in the actual language.

Also, one of the pages says that coverage is only for bites to humans, not other animals, and that extra is charged for "off-premises coverage"(see next-to-last paragraph here). What does that last mean, if you know?

[HappyKayakers]

Found a policy and the dog is coming home tonight. For any of you in a similar situation, here's the website I purchased from: https://www.dogbitequote.com/Please note that they only write policies in 9 states.

[brewjaz]

So sorry this is happening to you. I don't understand either how they can kick your dog out without giving you a reason--you said the dog didn't bite anyone. I know it would cost and be a pain, but I agree with toedtoes above--move if you can. Otherwise, if you belong to AARP or some other org that may offer free legal advice I'd call and ask. Sometimes a state law university will offer legal advice from students for seniors and low incomes. I'd inquire if I have a right to know WHY!!!

[toedtoes]

Sounds to me that this "fine 55+ establishment" just doesn't want your dog. I wouldn't waste time and money meeting their demands because they'll just find another reason to kick your dog out a second time. I would put the effort into finding a place that doesn't play games. And evicting someone based on a single anonymous complaint and not explaining the nature of the complaint IS playing games.

[Francesca_Knowl]

HappyKayakers wrote:
the owner said the dog would be allowed back in with a separate liability policy.

I get it now- my take is that the words "separate" liability policy muddy the waters a bit. Clearly, they're insisting that the dog be specifically named as insured. I think getting some sort of rider on your existing liability policy/policies would do the trick. Seems to me this might be a fairly common request of insurers.

And since you have no specifics to relate as to what if anything your dog has "done", I'd think you could just tell the agent it's a requirement of the Park that the animal(s?) be specifically named and leave it at that.

[kcmoedoe]

Dog Folks wrote:
Someone makes an anonymous complaint. You dog has NOT bitten.

The manager kicks your dog out.

Why would you want to return to this joint?

Got to agree, whole heartedly. There has to be much more to this than we have been told.
It is highly unlikely you will be able to win any legal action to get your dog back in. If you live there year round, you might have a tenant/landlord relationship and have a much sturdier leg to stand on. However, most RV parks take care to maintain an innkeeper status which gives them much more leeway on things like pets.
If they aren't offering you a refund for leaving, you have a much better case to present in small claims court for the return of the unearned rent. An unsubstantiated, anonymous complaint sure seems like pretty shaky ground to evict with no refund.
The inquiring minds sure would like to know what really went down. It is almost unfathomable that the manager just came up and said, "we had a complaint about your dog. Can't tell you what the complaint was or who complained. Cant tell you what supposedly happened or when, but your dog has to leave." And if that really did happen, why would anyone want to stay around such crazies anyway?

[Dog_Folks]

Someone makes an anonymous complaint. You dog has NOT bitten.

The manager kicks your dog out.

Why would you want to return to this joint?

[HappyKayakers]

rockhillmanor wrote:
Of course inquiring minds would like to know why you think you need one on the dog you own? :W

I don't think I need one, I know I need one cuz that's what the owner of this fine 55+ establishment told me.

My dog has always been on-leash in the park and has never bitten anyone. Unfortunately, someone decided to file a complaint against the dog and required the manager to treat it as an anonymous complaint. So, I was given no details about who complained or what the alleged incident was, just that the dog would have to leave the park.

Unfair? You bet. After gathering signatures on a petition and sending a letter to the owner, the owner said the dog would be allowed back in with a separate liability policy. Still unfair? You bet, but hopefully cheaper than a lawyer.

[Francesca_Knowl]

Not really gettin' the question- my liability insurance covers any bad thing that happens to folks as a result of my actions, which includes anything my dog/other pets might do. This unless the animal's type/breed is specifically restricted in the policy. Homeowner's is first line of defense, but I actually had a Farmer's auto liability policy pay off one time in a dog bite incident, and it happened when the dog got off her tieout at home! Nothin' whatever to do with the car....

Unless this particular animal has already been involved in some sort of kerfuffle, I don't understand the need for a stand alone policy-?

[Dog_Folks]

Lots of possibilities.

Let Me Goggle that for you:

Happy Shopping.