FREE e-Newsletter
Important News - Hot Topics
Get them Now!

Dynamic Plaques - FVT Plaques
FVT Plaques is introducing new dynamic plaques to recognize police and sheriff's...

Security Policy and the Cloud

Ask The Expert

Mark Rivera

FBI-CJIS Security Policy Compliance Officer

Mark Rivera, Customer Retention Manager and CJIS Security Compliance Officer with Vigilant Solutions, served for sixteen years with the Maryland State Police, retiring at the rank of First Sergeant with thirteen of those years at the supervisory and command level. He holds a Master of Science Degree in Management from The Johns Hopkins University and Secret clearance through the FBI, Baltimore.

Top News

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.

Join the Discussion

POLICE Magazine does not tolerate comments that include profanity, personal attacks or antisocial behavior (such as "spamming" or "trolling"). This and other inappropriate content or material will be removed. We reserve the right to block any user who violates this, including removing all content posted by that user.

Other Recent News

Video: California Officer Shot in Badge, Suspect Dies in Fiery Crash
A man suspected of shooting an officer in Huntington Beach, CA, before leading authorities...
Video: TN Officer Fatally Shot Responding to Domestic
A Maryville, TN, police officer was shot and killed Thursday afternoon after responding to...
Appeals Court Rules Residency In Marijuana Legal State Not Justification for Police Search
By a 2-1 vote, the 10th U.S. Circuit Court of Appeals in Denver said two Kansas Highway...
LAPD Establishes Program to Aid Families of Suspects Killed in Officer-Involved Incidents
The Los Angeles Police Department plans to create a novel program to reach out to the...
Video: California Officer Accused of Sharing Intel with Local Gang
A San Jose, CA, police sweep of a local gang called the "Gang of Thrones" resulted in...

Get Your FREE Trial Issue and Win a Gift! Subscribe Today!
Yes! Please rush me my FREE TRIAL ISSUE of POLICE magazine and FREE Officer Survival Guide with tips and tactics to help me safely get out of 10 different situations.

Just fill in the form to the right and click the button to receive your FREE Trial Issue.

If POLICE does not satisfy you, just write "cancel" on the invoice and send it back. You'll pay nothing, and the FREE issue is yours to keep. If you enjoy POLICE, pay only $25 for a full one-year subscription (12 issues in all). Enjoy a savings of nearly 60% off the cover price!

Offer valid in US only. Outside U.S., click here.
It's easy! Just fill in the form below and click the red button to receive your FREE Trial Issue.
First Name:
Last Name:
Zip Code:
We respect your privacy. Please let us know if the address provided is your home, as your RANK / AGENCY will not be included on the mailing label.
E-mail Address:

Police Magazine