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Old 05-01-2013, 05:57 PM   #1 (permalink)
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Default Homeowner's insurance

My wife and I are buying our first home, and we were just declined homeowner's insurance coverage by Progressive because we own a hedgehog, which is an "exotic animal." I don't know yet how common this is among insurance companies, but it's entirely possible that they could deny claims based on the presence of a hedgehog in the home. I highly recommend checking your policies thoroughly, and avoiding Progressive, and any other company that has similar policies. On a related note, does anyone know of any companies that don't have stupid rules like that?
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Old 05-01-2013, 06:23 PM   #2 (permalink)
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Default Re: Homeowner's insurance

Wow, that is ridiculous. Did they ask specifically if you have a hedgehog or how did that come up? I would never think of mentioning having a hedgehog, and we had the house insurance long before we had hedgehogs.
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Old 05-01-2013, 07:00 PM   #3 (permalink)
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Default Re: Homeowner's insurance

I would never have thought of this. Good thing to keep in mind for the future. (I don't have a house yet, I'm just a poor college student ha!)
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Old 05-01-2013, 10:08 PM   #4 (permalink)
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Default Re: Homeowner's insurance

I have never been asked what pets I have by any insurance company, and if they did ask I would tell them its none of their business.
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Old 05-01-2013, 11:03 PM   #5 (permalink)
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Default Re: Homeowner's insurance

The online quote system asked if I had any exotic animals, and I said yes. Incidentally, it also asked about dogs, and what breeds they are. And Nikki, since they have financial responsibility for any injuries that might happen in your home, that pretty much is their business. Although denying coverage for a hedgehog is still pretty ridiculous, in my opinion.
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Old 05-01-2013, 11:46 PM   #6 (permalink)
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Default Re: Homeowner's insurance

I can see them asking if you have any animals that are "restricted animals" but I wouldn't deal with a company that wanted to know more than that. I've had homeowners insurance for over 30 years and have never been asked.
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Old 05-01-2013, 11:50 PM   #7 (permalink)
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Default Re: Homeowner's insurance

What company do you use, Nikki? It'd be nice to not have to worry about that.

Edit: I see that you're located in Canada. That could make a difference, what with the U.S. being so lawsuit-happy.
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Old 05-01-2013, 11:51 PM   #8 (permalink)
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Default Re: Homeowner's insurance

Right now I use The Co-operators. I have all my insurance through them.
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Old 05-02-2013, 12:00 AM   #9 (permalink)
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Thanks.
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Old 05-02-2013, 01:04 AM   #10 (permalink)
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Default Re: Homeowner's insurance

That really is strange. Did you contact them and explain what the exotic animal actually is as some systems are just rule based and exotic animal would be a deal breaker. I know two things are subject to get you cancelled immediately if they find out about them.. Pit Bulls and Trampolines.
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