We received a cancellation notice of our homeowner's insurance policy, effective in two weeks. We just changed companies and saved $1,200 by doing so.

Now they say we need a new roof, (the house is 13 years old) and, this is the worst part, they said they're also canceling due to a vicious dog.

She is a mixed breed, mother is 100% Lhasa apso and the father could be a chow, some think Pomeranian but we don't know for sure. She does have the red coloring and she is fluffy but she's small.

Anyway, the insurance inspector was here when no one was home, and they took a picture from outside, through the screened lanai and into the house through the glass sliding doors.

They say she is a chow by looking at her through the window.

Our insurance agent said that if we can, get a letter from the vet saying there is no way to tell she has chow in her, especially because the father is unknown. He said he would fight for us but said it doesn't look good.

He mentioned that a lot of pet owners are having trouble, but then most don't even need a reason to cancel you.

He said one way to avoid it is get rid of the dog. There is NO WAY.

She is the friendliest little fluffy-butt, the neighborhood kids love her to death. We keep her on a leash all the time and we have never had any incident. She is eight-years-old.

I was crying for two days just at the prospect of getting rid of her, not that we will, we would live under a bridge before we did that. But even that they would "accuse" her like that is heart-breaking to us. How dare they.

So if the ins. company won't budge, we will be forced to go into Citizens, the dreaded and most expensive company in the state of Florida, which is in a messy insurance crisis to begin with.

The vet faxed a letter to them yesterday, we have offered up her obedience school diploma as well as letters from the entire neighborhood stating her disposition. We have a police sergeant who lives next door we might ask him to write something. He loves our dog.



This is the list of dogs considered to be dangerous so insurance companies are denying coverage.

"Blacklisted" breeds may include:

Pit Bulls
Alaskan Malamutes
Rottweilers
Akitas
Chow Chows
American Staffordshire Terriers
Doberman Pinschers
Boxers
German Shepherds
Great Danes
Siberian Huskies
Wolf-hybrids
Perro de Presa Canarios.

Any dog that has any of the above breeds in their lineage.