Homeowners Insurance Policy Cancelled for keeping chickens?

Discussion in 'Random Ramblings' started by ihvpower, Feb 9, 2012.

  1. ihvpower

    ihvpower Songster 8 Years

    Aug 26, 2009
    Uxbridge MA
    OK, last month, I switched insurance carriers from Eastern to Liberty Mutual. I gave them my Homeowners, car and boat insurance business. A few weeks ago, a man came out and did an inspection on the property. Today, in the mail came a letter from Liberty Mutual telling me that my Homeowners insurance was cancelled because, "the number of non-domesticated animals exceeds the maximum allowable". In my small town of Uxbridge, MA. there are no town ordinances or by-laws or what have you regarding the keeping of chickens and to my knowledge, chickens are not considered non-domesticated animals. I called LM and got quite a chuckle from the woman who answered as she had never encountered the problem before. I had recently sold my flock, I told her but if I hadn't, why are chickens not allowed? how many are acceptable and why do the underwriters consider chickens a non-domesticated animal? In my town, even Alpaca are not considered farm animals but chickens are???

    Does anyone have any knowledge or experience with this issue??


  2. nivtup

    nivtup Songster

    Apr 24, 2008
    Shelton Washington
    No experience, and no help to offer.

    I would immediately switch to someone else. And I would tell them very clearly why.
  3. Kevin565

    Kevin565 Crowing Premium Member

    Dec 22, 2009
    Maybe your policy had a certain amount of allowable pets rather than your city ordinance?
  4. Bullitt

    Bullitt Songster

    Jan 16, 2012
    Chickens and Alpacas are both domesticated animals. I think the insurance company meant to say you exceeded the allowable number of domesticated animals.

    Non-domesticated animals would be like wolves and tigers. I am guessing the insurance company would not insure anyone with these animals.

  5. cassie

    cassie Crowing 9 Years

    Mar 19, 2009
    Insurance companies don't know the difference. And sometimes no logic applies at all. My MIL once had her insurance cancelled because "her house was too far from the fire station". Her house was less than 1/4 mile from the fire station, but the inspector had passed a fire station about ten miles from her house and assumed that was the one that protected her house. He didn't see the close one and as far as he was concerned, because he didn't see it, it didn't exist. The insurance company agreed with their inspector, so MIL changed insurance companies. She came out the better on this deal because the second company offered much better rates.
  6. chickenzoo

    chickenzoo Emu Hugger 10 Years

    Yep, a lot of insurance company's wont insure you if you have horses etc etc.... When we bought this new place, with all my zoo animals and reg farm critters it was hard to find an insurance company that would touch us.
  7. GardenerGal

    GardenerGal Songster

    Dec 20, 2008
    Insurance companies may also withhold coverage if you have certain breeds of dog. Besides the "obvious" ones such as Dobermans, pitbulls and German shepherds, I learned that cocker spaniels and other smaller breeds are also on the "no" list!

    Nancy, I live on the North Shore of Massachusetts in a town where there also are no ordinances for livestock. I have kept goats, geese, chickens, ducks on my small property with no complaints from my insurance company (Safety Insurance). Maybe try them.

  8. Ole and Lena

    Ole and Lena Songster

    Jul 22, 2011
    Wright Co Minnesota
    We're with Grinnel Mutual. We had to get a rider for the horse (agent couldn't figure out why I laughed at that statement) but the chickens, dogs, cats are cool so long as we're not selling large quantities, but damage caused by animals to our property is specifically exempted. Basically anything smaller than a cow is OK without any special concern. A horse under 12 hands is considered a pet, not livestock in their calculations so no rider needed for ponies either but personal injury resulting from "equine activities" is not covered without the horse rider. They're even OK about the woodstove.
  9. chickenzoo

    chickenzoo Emu Hugger 10 Years

    Most of the ones I talked too didn't even know what a Emu was...... Lol. I finally found one that didn't faint from my list of animals....... [​IMG]

  10. GardenerGal

    GardenerGal Songster

    Dec 20, 2008

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