who here owns a dog not covered by homeowners?

Most home owners insurance will not cover pitbulls and Rottweilers. I have decided to get a Rottweiler. The dad is 107lbs lean as hell too. My question is that i don't think my home owners will insure my dog for liability. Do you guys own any dogs not covered under your policy? I been wanting one for years and years but I went online and read all these people getting sued for hundreds of thousand of dollars for dog bites. Our FedEx driver got bitten during a delivry by a German Shepard. He just got a check for 17K bucks plus the owner had to pay all medical bills ($3K) thats $20 grand for a bite that required 15 stiches. Even he told us it looks worse than it is. So that scares the the shit out of me. See, I am going to adopt it and give this 3month old pup a chance at life. But these people at the shelter are making a big deal. When i could just buy one for like $200 from my bros friend. I am trying to do the right thing but i don't wanna get sued for everything i have. What do you guys think?

im sure if you have the dog locked up with no trespassing & beware of dog signs then you should be ok

I remember when I was a kid I got bit in the ass by a chow. Nothing happened. Cops took pictures of my ass, thats about it.

My agent is cool and let me list my dog as a mixed breed. I have had Rotts for the last 15 years.

i know it comes down to how the dog is raised and treated. But, pj is your good good tempered or you have to watch out for agressiveness?

I'll ask my wife tonight about the details. She's a licensed agent.

I have never had an aggressive Rott. I have trained 4 rotts over the last 15 years. I would trust any one of them with my 7 month old daughter.

my pit hasnt barked since I got it

You Dont get sued for everything you own if u dont own shit.

Theres a million ways to protect assets, talk to an attorney, some are cheap and simple but not as good, such as having a trusted family member(good luck with that) put a lien on your property that when combined with the mortgage amounts leaves your home totally used up. eg. worth 300k, mortgage of 200k, lien for 150k. BOOM you owe 350k on a home that is worth 300. No one will sue you. but ur family could screw you as they do hold a valid lien on your property.

A trust is better but costs a little to set up, you will be the beneficiary of the trust, so indirectly you control the property, but the trust will own the property and your attorney or someone else you choose will be the trustee.

Theres also corporate ownership, holding title in an LLC for instance, also family limited partnerships and others. If you are holding multiple properties, use separate llc's for each, it costs a few hundred to open up each llc but the added protection of each property being held separately is worth the reduction in exposure to having your homes being used to satisfy civil judgements. For instance, if you make a mistake and forget to do some very important but very simple corporate actvities like an annual meeting and keeping the minutes, there is a legal doctrine called ("piercing the corporate veil"<--run a search on that phrase) where if you set up an llc or whatever and you dont follow all the rules they will remove the protection it affords you for not playing by the rules... worse case scenario at least you only had one property in there! Vehicles can all be protected as well.

People with money dont even own their clothes man, this is how its done. BTW everything I just wrote is very very elementary, all im sayin is go talk to someone about exactly what you are trying to accomplish, actually talk to a few people, get the best people then dont trust them.

Just let the dog finish off the person. It will cut down on food cost and they cant charge you with murder if they can't find the body!

AZ1 said:

You Dont get sued for everything you own if u dont own shit.

Theres a million ways to protect assets, talk to an attorney, some are cheap and simple but not as good, such as having a trusted family member(good luck with that) put a lien on your property that when combined with the mortgage amounts leaves your home totally used up. eg. worth 300k, mortgage of 200k, lien for 150k. BOOM you owe 350k on a home that is worth 300. No one will sue you. but ur family could screw you as they do hold a valid lien on your property.

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In order for a lien to be valid, there has to be performance on the lein. You have to prove that the funds where exchanged in one form or another. I've attached frivolous liens on property and gotten paid off, but that is because I was the broker in the transaction. It's illegal and if it ever went to court, I would have to reimburse the funds. Even if I feel my work performed was sufficient enough to cover the cost attached.

Not to come at you, but the best way to protect your assets (in my state) is by forming a C-Corp or an LLC with partners. That would entail a complete different entity. Just make sure you aren't paying yourself very much money. Minimum wage works fine for me. All my property and assets are with the corporation.

just wanted to share my dog situation with you. So i take my brother to meet the dog(required by shelter) and he starts barking and lunging a my bro so thats the end of him. We go to the next shelter and they have this huge black ''aligator mouth" pitbull and he just nearly licked us to death. He is the bigges pitbull i have ever seen, nothing but muscle and the bigest mouth you ever seen. Never did i think a pitbull could be this friend with people and other dogs. So i took him home after all the paper work and home inspection. His name is RONNIE!! what do you guys think about the name??