A farm owner in South Shore Montérégie says he wants to offer a cautionary tale for other homeowners after his application for home insurance was rejected by several companies because of his Rottweilers.
Tracy Patterson told CJAD 800 News he never had troubles with home insurance and his two Rottweilers before until he bought a hobby farm in St-Antoine-Abbé near Chateauguay where he lives with the Rottweilers as well as several other dogs.
Patterson said his headaches began when an inspector checking his new farm said he'd have to inform the insurance company about his two Rottweilers. A week later, the company cancelled his policy without giving him time to get a new one. Promutuel confirms to CJAD 800 News that they do not insure homeowners with certain breeds of dogs such as Rottweiler, Doberman, Pit Bull and Mastiff, saying they represent a risk.
Patterson said he and his broker went through a stressful time before finally finding an insurance company who knew about his dogs and agreed to insure him.
"Four companies had already refused me and I had called a couple myself and just to find out I was refused, I was starting to lose hope, saying My god, this cannot be happening, I'm going to have to get rid of my dogs, which are, like most of us, are part of our family," Patterson said.
Patterson said companies didn't even want to consider insuring him excluding the dogs.
"I live in the country, I'm far from the road, I'm far from neighbours. I could understand if I lived in downtown Montreal where certain breeds are not allowed or banned," Patterson said.
The Insurance Bureau of Canada says most companies usually don't ask about dogs and it's up to the insurance companies. It adds that it can be on a case-by-case basis and it can help find people an insurance company if all else fails.