As I recently posted, me, the dogs, and the guy are planning a big move--I got a job in Orlando, and I start work on May 24. Big, exciting news!
What's not so exciting is that I cannot for the life of me find a place to live that'll take our dogs. Well, to be more specific, they won't take pit bulls. Now, I know it's not easy to find a place that'll rent to someone who owns a pit bull anywhere in America right now--it's one of those things you really need to think about before you bring one into your life. I bought my house in 2005 so I wouldn't have to worry about looking for places to live with my dogs. I had no illusions about this being easy. But I'm beginning to think that, compared to Orlando, Baltimore is a straight-up pit bull friendly down.
Eventually, I'd like to buy in Orlando, but I can't really buy a home until I can sell the house I own up here. So a few weeks ago, I started contacting realtors and asked them if they'd help me look for a pit bull friendly rental house--a few took pity on us and started calling their pet-friendly rental houses to inquire about breed restrictions. I wasn't too surprised to hear that they weren't having any luck because insurance regulations in Florida consider pit bulls to be an "aggressive" breed.
So I told the realtors that, to make the "pit bull" thing slighly less frightening for a potential landlord that I'd voluntarily supply liability insurance to cover the dogs myself. One or two homeowners said they'd consider it, and I started calling around to find a company that'll write a renter's policy with liability for dogs. I figured I'd start with State Farm, which for years has been the one company everyone with a pit bull could always rely on to get a pit bull-friendly policy. I called an agent and was shocked to hear that, as of 2010, State Farm is no longer writing business in Florida and is cancelling many of its existing policies. Wow. I then got on the phone with the company that carries my no-breed-restriction homeowners policy, Farmer's Insurance. Once again, I was told that Farmer's will not write in Florida. Neither, it turns out, will Nationwide. Or Kemper's. Or Allstate. Pretty much no one writes in Florida anymore, except for a handful of smaller companies--none of which will cover a pit bull. You can get a policy that'll cover you and specifically
exclude dog liability, but no policy will actually cover your dog if it's one of those alleged "aggressive" breeds.
I'm not naive about the pit bull "problem," or the challenges that come with pit bull ownership, but I must say, I was shocked to find that the only way I can get my dogs covered in the state of Florida is to purchase an exotic and aggressive animal policy. Which to me is insulting, because purchasing such a policy implies that I believe my dogs to be aggressive. My CGC-certified, ATTS temperament tested, obedience-trained dogs. I guess if I have to do it, that's what I'll have to do. But come on, now. More people
drown each year than are killed by pit bulls. Yet insurance companies still cover homes with swimming pools and bathtubs.
I'm also a bit surprised that Florida folks haven't made more noise about this around the pit bull "community," such as it is. The first I heard that you, quite literally, can't get a regular homeowners or renters policy in Florida if you own a pit bull was when I started looking for one.
But maybe I'm wrong and there's a Floridian out there who knows of a company that'll cover us. If so, leave a comment, I'd love to hear from you.
While you're at it, if you know of any single-family homes for rent with a fenced-in yard in Orlando, leave a commment about that too! I'm starting to feel a bit worried about our prospects.