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Home Insurer Drops Neb. Deputy Over Police Dog

October 25, 2012  | 

A home insurance company has dropped a Nebraska sheriff's deputy from coverage, telling him they're not willing to bear the risk the police dog at his Omaha home.

American Family Insurance informed Douglas County Deputy Andy Woodward that the company would end the policy because Deputy Woodward keeps his K-9 Diezel at the home. The dog is considered aggressive becauase it can attack on comand.

Woodward said he informed his agent that the county carries liability insurance for the dog and thought the matter was settled. But American Family sent him a letter this month, informing him his policy would end on Dec. 19 "due to the additional liability exposure of your police dog," reports the Associated Press.

"It was just like a slap in the face," said Woodward, who is required by the sheriff's office to keep the 4-year-old Belgian Malinois at his home. "I'm going to get dropped from my home insurance for this?"

Comments (13)

Displaying 1 - 13 of 13

Jack Betz @ 10/25/2012 3:41 PM

I could find a great lawyer.

Mark @ 10/25/2012 3:44 PM

Pretty simple. Boycot that company. Sure there are lots that would to move to another company. Not sure how big that company is, but spread the word!

George @ 10/25/2012 4:04 PM

I have sent an email complaint to AmFam Ins over the website. Everyone should email this company and complain. Any officers doimg business with this company should switch to another company
Not just homeowners ins, cars marine, motorcycle etc. The only thing companies understand is losing revenue. Get your unions involved. Get you animal rights group involved

Tom Ret @ 10/25/2012 4:21 PM

Officer should contact his state's insurance commissioner and lodge a
complaint. If no action can be taken, then boycott the company and get out the word to all agencies.

Frank @ 10/25/2012 4:57 PM

Discrimination against Rover! Boycott is the correct approach along with a straight to the point email.

michael @ 10/25/2012 5:42 PM

This really sucks and it is a bad policy of the insurance company. I know there is a way around it by giving your insurance agent a release of liability from the county with their insurance info. But they obviously want to be dicks and take a hard line on this for some reason. The one good thing, is there is no shortage of insurance companies out there, good luck.

Big @ 10/25/2012 7:26 PM

I have allready called my agent and dropped them.

Dan @ 10/26/2012 6:42 AM

I do not have Am Fam Ins. However, I know all three of the agents in our small community (29,000). I have called them all.

Morning Eagle @ 10/26/2012 9:06 AM

Apparently something the dingbats at Am Fam Ins do not grasp is the difference between a dog that has a mean or vicious temperament and one that has been carefully trained to obey the commands of its handler. May AFI lose a lot of clients who will make it clear why they are switching away from a company with no common sense.

S.S @ 10/26/2012 11:46 AM

American family insurance. Nevermind the insurance companies out there that charge you ridiculous rates for what they are suppose to cover. This just makes no sense. In fact I think they should give you some type of reduction cause the k-9 is just more added security for you and your family. I hope you sue the hell out of these idiots!!!!!!!!!!

Tempest @ 10/29/2012 3:19 AM

While I agree that this is a stupid move on their part, and I'd be furious if it was me, I have to correct those of you who are saying that this is ignorant and "there's a difference between this dog and that dog..."

Dogs are dogs. No matter the training, no matter the breed, they're animals, and that means they're unpredictable. Don't hate on me yet, I'm on the side of team pitbull, where I believe that animals are not inherently bad, and therefore should be given a fair shake. I believe that animals don't attack unprovoked either.

But that being said, how do you differentiate between a police dog that "has been professionally trained to attack" and a regular homeowner's dog that has "been trained to behave and not attack"? You can't, it's not possible to always say what an animal, despite the training, is going to do.

I still think it's stupid, and I wonder how many homeowners they dropped because they had a pit, or a rotty, or a german.

Martyb @ 10/29/2012 11:47 AM

I think the officer should be entitled to a 10% discount because he has a great "alarm system" in that four pawed furry wonder he works with.

What I'm really surprised about is that AFI didn't drop him earlier because as a "Law Enforcement Officer" he's pretty likely to have at least one firearm in the home at any time.

It's all about where and what the company decides to choose for their limit of risk. This could have also been a knee jerk reaction by one of AFI's underwriters who reviewed the policy without reading all of the information and doesn't like "big dogs".

Funny thing is that I've had more troubles with smaller dogs than big ones, especially Cocker Spaniels. - Go Figure.

Sgt. Mike @ 11/2/2012 2:36 AM

If I had a policy with them I would drop them today.

Good luck Deputy Woodward.

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