Anyone experienced with canine liability insurance policies?

Question

Have a tenant in place with a rottweiler (they put "mixed" on the application and my property manager never met the dog like I always did).  Instead of forcing eviction due to the dog or not renewing lease when it ends in 3 months, I'm considering offering the tenant the option to purchase a canine liability insurance policy.  I've since personally met the dog, and it is very well trained and not aggressive.  I wouldn't have an issue except my insurance has breed restrictions.  Wondering if anyone has experience with canine liability insurance policies as it could save me from a turnover, keep good tenants (except for their lying on the application about the rottweiler, of course) and would be a good option to offer future tenants as well.   Also, recommendations on any companies offering this service in North Carolina would be appreciated.

James Wise · Answer

@Lynn M. yea give them a call. I seen one for a pitbull last week.

Lynn McGeein · Answer

@James Wise

Thanks!  There was an article saying Farmers stopped all pit bull, rottweiler, etc., in California in Feb 2013, so I wrote it off, but if they still have it in Ohio then I'll check it out for NC as well.

Account Closed · Answer

@Lynn M.,

You should have introduced yourself as the owner and that way you can build a good relationship with your tenant.

Joe Gore

James Wise · Answer

farmers has a renters policy that covers all breeds. Rotties & even crazier pitbulls.

(This is in ohio. I don't know if it's the same in other states)

Lynn McGeein · Answer

Cropped tail, and they didn't deny it's a full rottie when I confronted them.  They didn't realize I was the owner when I was inspecting.  They didn't hide the "A spoiled rottie lives here" sign or their pictures with him.  I saw them out walking their dog, so left a note saying I'd be back the next day to repair some minor things and would prefer they were home.  It's definitely well-trained.  I'd actually rather keep them as tenants long-term as everything was neat and clean and timely payments, but I can't have the insurance thing hanging over my head so without a solution, I need to give them notice.

Derreck Wells · Answer

I don't know about the insurance, but I do know about dogs. They may not have lied. Rottie mix breeds usually look like Rotties. They have strong genes and they tend to show over the other breed. Usually with mixes, they don't crop the tail, but not always. If it had a long tail, it's probably a mix.