header image

[Sign Up Now] to Receive Our FREE Daily SCVTV-SCVNews Digest by E-Mail

Inside
Weather


 
Calendar
Today in
S.C.V. History
April 4
1893 - Large earthquake centered in Pico Canyon; locals believed oil drilling caused it [story]
map


scotttaylorA popular question I receive from landlords is about allowing pets. Whether you allow pets in your rental is entirely up to you. I’ve heard that pet ownership is as high as 63 percent of the population, so if you exclude pets, you run the risk of excluding some tenants.

One item I do counsel landlords on is to verify with their insurer if there are any dog breed restrictions in place on their homeowner’s or landlord’s policy. Although your next-door neighbor’s yippy Bichon Frisé — which clearly has a serious Napoleon complex and a seemingly endless desire to draw blood from people’s ankles — might be far more likely to bite someone than your cuddly pit bull, it doesn’t necessarily mean your insurance company cares.

Many insurance companies are banning specific breeds all together and dropping households with a high-risk breed. For homeowners and renters, this can mean headaches.

The insurance company may just deny you homeowner’s coverage – or your tenants, renter’s coverage – because of your dog. Other insurance companies may still extend coverage to you but will charge you a higher premium.

And while some people try to skirt the issue by not telling their landlord, manager or insurance company about a new dog, this is risky. If something does happen with a dog in your rental and you did not disclose the information, the insurance company may deny your claim. That could cost you tens of thousands of dollars or more.

Of course, the rules on which dogs an insurance company will cover, and which they will not, vary from company to company. Insurance companies change their policies from time to time and state to state.

Typically, insurance companies tend to resist covering dogs, or any mixes, of pit bulls and Staffordshire terriers, Doberman pinschers, Rottweilers, chows, Akitas and Siberian huskies, to name just a few.

At this point you might be saying, “Well, I get all that. But why would an insurance company care?”

The reason is lawsuits. Insurance companies do not want to deal with a potential lawsuit if someone gets bitten or hurt by your dog while in your home. With dog bites accounting for one-third of all homeowner’s insurance liability claims, and the average claim costing the insurance company $24,511, insurance companies are passing the $356.2 million bill onto their consumers.

If there is a dog that is on the list of excluded breeds, the company makes you sign an exclusion for animal bites so that the liability for dog bites is excluded. Since no landlord would willingly sign such an addendum, excluded breeds are necessarily excluded.

And lest you think this is exclusive to homeowners, tenants might be surprised to know that future insurance policies they might obtain could also be affected. Even if you have an “eligible” dog that ends up biting someone and the policy pays out, you could have a dog exclusion for the rest of your life on your policies, even if you switch insurance companies or get a different dog. So you can think of it as you get one dog bite claim per lifetime.

I can understand that this policy will make some landlords happy – and make just as many tenants unhappy. But, as it turns out, landlords are obliged to have homeowner’s insurance. Accepting dogs on the excluded-breeds list makes that insurance unobtainable in some cases, and at the very least much more costly.

 

Scott Taylor is the owner of SCV Leasing. For information call 661-294-8500 or email Scott@SCVLeasing.com.

Comment On This Story
COMMENT POLICY: We welcome comments from individuals and businesses. All comments are moderated. Comments are subject to rejection if they are vulgar, combative, or in poor taste.
REAL NAMES ONLY: All posters must use their real individual or business name. This applies equally to Twitter account holders who use a nickname.

14 Comments

  1. Megan Roy says:

    My neighbor in my condo complex is a renter. She doesn’t seem to care that her dog scares the crap out of anyone walking up the stairs (we are a tiny group of 4 units) and she thinks its cool to have two trays of pet litter on her visible balcony and the dog rarely uses it and pees all over. I wonder if thw owner realizes this and if the crappy HOA will say anything :/

  2. Megan Roy says:

    My neighbor in my condo complex is a renter. She doesn’t seem to care that her dog scares the crap out of anyone walking up the stairs (we are a tiny group of 4 units) and she thinks its cool to have two trays of pet litter on her visible balcony and the dog rarely uses it and pees all over. I wonder if thw owner realizes this and if the crappy HOA will say anything :/

  3. Ala Timeline says:

    holy photoshop on this dude’s pic.

  4. Ala Timeline says:

    holy photoshop on this dude’s pic.

  5. Is he made out of wax?

  6. Day Man says:

    Dimitri Maxwell that face tho

  7. Obama should go BACK to AFRICA!!!!

  8. You look like a wax doll…really weird and creepy

  9. Scott …re do your picture..it is awful

Leave a Comment


Latest Additions to SCVNews.com
1893 - Large earthquake centered in Pico Canyon; locals believed oil drilling caused it [story]
map
California State University, Northridge’s Department of Theatre will host Native Voices, the only professional theatre company in the United States devoted to bringing Indigenous playwrights, 7:30 p.m. Monday, April 7, to perform “To Indigeneity and Beyond!”
April 7: Native Voices to Perform at CSUN
The William S. Hart Union High School District has announced that Anthony Eslao, a senior at Golden Valley High School, has been awarded the distinguished California Scholarship Federation Seymour Award. Additionally, Matthew Thomas De Guzman, also from Golden Valley, has been recognized as a Seymour Award finalist.
Golden Valley Student Wins CSF Seymour Award
Assemblywoman Pilar Schiavo’s bill, D-Chatsworth, the Expediting State Housing Permits Act (AB 301) was passed as part of a major package of housing legislation aimed at tackling the state’s housing crisis.
Schiavo Joins Forces with Rivas to Expedite Housing Development
The Department of Water Resources conducted the all-important April snow survey on Wednesday, April 2, the fourth measurement of the season at Phillips Station.
DWR April Snow Survey Shows California at 110% of Average
The Santa Clarita Master Chorale invites you to an elegant evening of wine, dinner and song atthe annual Cabaret & Cabernet benefit “The Beat Goes On,” on Saturday, April 26, 5 p.m. at the Hyatt Regency Valencia.
April  26: ‘The Beat Goes On’ Master Chorale Cabaret & Cabernet Benefit
Visit the Santa Clarita Public Library Valencia branch, 5:30-6:30 p.m. Tuesday, April 8 for a "Alice's Looking Glass" crafting session.
April 8: ‘Alice’s Looking Glass’ Craft Session at Valencia Library
Join the Santa Clarita Valley Chamber of Commerce for a Grand Opening Ribbon Cutting at Monarch Beauty Academy, Thursday, April 24 at 4 p.m.
April 24: Monarch Beauty Academy Grand Opening Ribbon Cutting
For the third year in a row, The Master's University's basketball player Kaleb Lowery has been named an NAIA All-American, this time on the First Team.
Lowery Named First Team All-American
Lief Labs, a premier formulation and product development innovator and manufacturer of dietary supplements, has announced the launch of its 2025 Brand Boost Guide which offers tips, guidance and resources to support dietary supplement brands in identifying potential sales growth and risk management strategies.
Lief Labs Launches 2025 Brand Boost Guide
The Master's University men's volleyball team completed the sweep of its old rival with a 25-11, 25-21, 25-19 controlling of the Arizona Christian Firestorm Saturday afternoon, March 29 in Glendale, Arizona.
Mustangs Complete Sweep on Arizona Trip
Arbor Day is more than just a celebration, it’s a commitment to our future. Every year, communities across the world come together to plant trees, promote environmental stewardship and enhance the landscapes that make our cities and towns more beautiful and livable.
Jason Gibbs | Celebrate Arbor Day in Santa Clarita
April 30 will be the final day for submitting comments regarding the updating of Los Angeles County Floodplain Management.
April 30: Deadline for Comments on Floodplain Management
Among several important issues presented at its Tuesday, April 8 regular board meeting, the Los Angeles County Board of Supervisors will hear recommendations on establishing a unified permitting authority for the Altadena One-Stop Recovery Permitting Center relating to properties impacted by the Eaton Fire.
April 8: Supes to Consider Altadena One-Stop Recovery Permitting Center
1917 - Castaic post office established inside Sam Parson's general store [story]
General Store
April is National Distracted Driving Awareness Month, a nationwide initiative that highlights the dangers of distracted driving and promotes safer driving habits.
April 7-14: CHP MEP for National Distracted Driving Awareness Month
One of the things that makes the city of Santa Clarita such a great place to live, work and play, is the wide range of amenities we offer our community.
Ken Striplin | A Library Without Walls for a City Without Limits
Los Angeles Health Services has released its 2024 Annual Report, showcasing a year of exemplary achievements in patient care, innovation, and community health.
County Health Services Releases 2024 Annual Report
The ability to put nutritious food on the table is one of the most important and pressing matters that low-income families face daily. 
CSUN Family Kitchen Project Gives Food Coupons to Families During Summer
American Sports Entertainment Company and the LA Kings, collectively referred to as JV Ice at The Cube, are seeking proposals to license restaurant and bar space at The Cube – Ice and Entertainment Center, powered by FivePoint Valencia.
The Cube Ice, Entertainment Center Seeks Restaurant Partner
The College of the Canyons Foundation will host its third annual 3-on-3 Basketball Tournament from 9 a.m. to noon on Sunday, April 27, in the college’s West P.E. (WPEK) gymnasium, located on the Valencia campus.
April 27: COC Foundation to Host Third Annual 3-on-3 Basketball Tournament
The LA County Arts Internship Program will invest over $1.6 million to fund 228 university and community college internships, providing students with paid on-the-job experience in the arts and creative sector at over 170 nonprofit organizations starting this summer. Applications for interested students are open now.
Nation’s Largest Paid Summer Arts Intership Program for County College Students
SCV Water received three prestigious awards from the California Association of Public Information Officials at an awards luncheon on Wednesday, April 2, 2025.
SCV Water Wins Three Awards For Communications Initiatives in 2024
When Abraham Martinez-Peña enrolled at California State University, Northridge as a film major, he knew the path he set out for himself — to be a professional comedy writer for film and television — would not be an easy one. Hollywood’s hiring reputation was more “who you know,” than “what you can do.”
CSUN Alum Develops Mentorship Program for Aspiring Comedy Writers
SCVNews.com