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Fire and dog breeding

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C

Countrygal

Junior Member
What is the name of your state? Wisconsin

Hi! In Feb. of this year I had a fire in a barn/storage/non-inhabitted apartment on property I rented from my daughter. Total loss. Fire started by electrical failure of in-wall heater installed by contractor - certified. No liability claims, no loss of any animals or any injuries to humans. Only property/building damage. Total loss approx 50,000 between personal property (renter's insurance) andbuilding.

Now I have purchased the property. I am a single parent and have bought a few breeding dogs for some extra income. We:( are legally limited to 12 dogs in our county. So I can't go over that limit. No big business here. I have 7 breeding dogs, 4 female, 3 males. Estimate 3 litters a year. I have been told I am uninsurable. I have been insured and dropped by 3 companies. I have been refused after cursory examination by many more.

I have a great credit rating and pay all of my bills on time. All buildings on my property are BRAND new, built by reputable contractors. All dog breeds are on the "safe" or "gentle" breeds list. I have been told by one insurance agent that the reason is a combination of the fire, being dropped and the dogs.

What can I do? I have been given 10 days to find new insurance or lose my property... my house, my animals, my farm...everything I have fought so hard to get??? Is there any way I can keep the insurance companies from ruining my life???

DESPERATE :( :(What is the name of your state?
 


M

moburkes

Senior Member
All you can do is continue to shop. You can contact specialty insurance companies. Open your yellow pages, and look for specialty companies. Ask other breeders who they use. Good luck.

(Try Foremost)
 
P

panzertanker

Senior Member
moburkes said:
All you can do is continue to shop. You can contact specialty insurance companies. Open your yellow pages, and look for specialty companies. Ask other breeders who they use. Good luck.

(Try Foremost)
Click to expand...
Also check to see if your state has an "un-insurable" pool.
For example:
In florida there is a pool of insurance that every policy writer must contribute to for those people unable to get homeowners insurance due to past claims or imminent threats (possible hurricane coming).

Good luck.
 
M

moburkes

Senior Member
panzertanker said:
Also check to see if your state has an "un-insurable" pool.
For example:
In florida there is a pool of insurance that every policy writer must contribute to for those people unable to get homeowners insurance due to past claims or imminent threats (possible hurricane coming).

Good luck.
Click to expand...
True, but this isn't homeowner's insurance. Or, at least the business part of it wouldn't be covered by homeowner's insurance. He may be able to find coverage through his state's FAIR plan, but it won't cover much, and it certainly won't cover the business.
 
Y

You Are Guilty

Senior Member
moburkes said:
True, but this isn't homeowner's insurance. Or, at least the business part of it wouldn't be covered by homeowner's insurance. He may be able to find coverage through his state's FAIR plan, but it won't cover much, and it certainly won't cover the business.
Click to expand...
It's at least partially homeowner's. (I assume the business would be a regular GL policy, which can't be that hard to find).
 
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