Re: Emotional support animals question - Landlord Forum thread 350225

Re: Emotional support animals question by Anonymous on January 18, 2017 @21:42

I know not all dogs are bad and these are my good tenants so I just also want to know that I will have not problems with my insurance company. Is the insurance company exempt of dropping me due to this requirement. Y allowing a dog ?

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Re: Emotional support animals question by Garry on January 18, 2017 @23:47	[ Reply ]

First, an ins. comp. is never going to know if a T has a dog or not, unless YOU inquire about it, or something bad happens that involves the dog, that causes you to turn in a claim to your ins. comp. In my opinion, you have about a .001% chance of anything bad happening involving a dog. I've been a LL for 36 years,and currently own 20 SFHs. I have always allowed small pets ( 1 only--dog or cat ) in any of my rentals. I have NEVER filed a claim regarding pets. Besides, the laws regarding ESAs are federal laws, of which override any policies a ins. co. may have. Also, an ESA dog, cat, pot-bellied pig, rabbit, miniture horse, etc. is by nature and name (ESA,) is not going to be aggressive. Contact a civil rights person in your area for more info about ESAs.

Re: Emotional support animals question by J (FL) on January 19, 2017 @11:34	[ Reply ]

G it could create a problem if the insurance company has a banned breed list and the ESA breed is on that list. Many insurance companies will drop you if they find out you own a pitbull, etc. Or they might refuse to pay out if something happens. I'm adamantly against the whole concept of ESAs because every person I've encountered so far claiming to have one has just been been a big phony who wants to get around "no pitbull" or "no pet" rules by working the system.

Re: Emotional support animals question by Garry on January 19, 2017 @18:01	[ Reply ]

J, you are right that probably 60-70% of tenants are lying that they have an ESA, just so they can have a pet. Federal laws say they can have one, but those same laws say that they must PROVE they have a need for the ESA. That is why we LLs can ask for paperwork from a LICENSED professional that says they need one. If they can produce a REAL one, then can have the ESA in our rental without having to pay an extra deposit or fee to have it. That's the law, and we all have to abide by it. Since it's a FEDERAL law, all insurance companies have to abide by it, also. Federal laws take presedence over any rules or POLICIES an Ins. co. may have to protect their bottom line. Yes, pitbulls, mastiffs, dobermans, etc. can all be ESAs, as long as they are FRIENDLY, just like collies, beagles, labs, etc. are. Very likely, even an employee of those same Ins. co. that have policies banning certain breeds, may have to allow that employee to bring the ESA to their job site, as long as they have a DRs. letter saying they need the ESA with them during work hours. Ins. cos. are a business, just as we LLs are. And we ALL have to abide by federal laws, even if we don't agree with them.

Re: Emotional support animals question