It finally happened (Home insurance)

[RandyRhoads]

So it finally happened. They will no longer insure my house with venomous snakes or any over 10'. What do I do now? Move just to keep 3 snakes? Lie to them? Cut a few feet off my burm ? ( Just kidding)...

Even if I can find the guts to actually get rid of them, where do you put a 12-13' burm and 2 rattlesnakes? :unibrow: Pretty bummed about this...

[slowhite03]

Check around with other insurances ?

[RandyRhoads]

Has anyone ever found insurance that is completely ok with keeping venomous snakes....?

[Pirarucu]

My question is why is your home insurer concerned about the snakes? You'd think it would be the medical insurers who would be worried about that..

[RandyRhoads]

Really? That seems obvious to me why they would care..... Liability of a visitor getting bit?

[Pirarucu]

Ah, ok. I don't have to deal with any of that yet so was just curious.

[Aaron_S]

My question is why is your home insurer concerned about the snakes? You'd think it would be the medical insurers who would be worried about that..

Also the liability of the heating elements possibly causing fire.

[RandyRhoads]

Also the liability of the heating elements possibly causing fire.

Yeah, they asses a lot of things. Oddly enough i've never had those be a problem but my fish tank light went up in flames a few weeks ago.

Also, it was extremely hard to find anyone to insure the house because of location and other factors.


Say I can find someone I think is fit to take my burm. Would you, and how would you, asses someone to be fit to take your venomous snakes.... I see lots of liability in that coming back on me...

[Aaron_S]

Yeah, they asses a lot of things. Oddly enough i've never had those be a problem but my fish tank light went up in flames a few weeks ago.

Also, it was extremely hard to find anyone to insure the house because of location and other factors.


Say I can find someone I think is fit to take my burm. Would you, and how would you, asses someone to be fit to take your venomous snakes.... I see lots of liability in that coming back on me...

Talk to Kim and see what she'd suggest.

[RandyRhoads]

Talk to Kim and see what she'd suggest.

Good idea i'll shoot her a text.

[smy_749]

That sucks...I don't see an option other than rehoming honestly. Lying to them, if they find out could be bad for your future / finding someone to insure you (I would think).

[franks]

So it finally happened. They will no longer insure my house with venomous snakes or any over 10'. What do I do now? Move just to keep 3 snakes? Lie to them? Cut a few feet off my burm ? ( Just kidding)...

Even if I can find the guts to actually get rid of them, where do you put a 12-13' burm and 2 rattlesnakes? :unibrow: Pretty bummed about this...

Its because recent studies show that venomous snakes like to stuff socks into the drains and turn all of the water on full blast.
Absolutely ridiculous. I am sorry you have to deal with this crap.

[Will0W783]

Most homeowner's insurance policies will not insure the added liability of venomous snakes. A lot of them even restrict certain dog breeds..i.e. pit bulls, mastiffs, rottweiler's and the like.

Your options are pretty limited:
1. move somewhere else
2. rehome the snakes
3. stay where you are and lose your insurance coverage

If you decide to move, you will need to look for a house situation, as I do not know of any apartment complexes that would be ok with the venomous snakes. If you decide to rehome the snakes, then the Burmese must be sold within your state lines. It is currently illegal to cross state lines with one, due to them being on the Lacey Act (it's stupid, but it's the law). As for the rattlesnakes, if you can ship them here, I can find them homes with people I know well and trust.
I'll help any way that I can. Sorry you are having to deal with this, Randy.

[RandyRhoads]

Believe it or not the apartment complex I lived in two years ago was completely fine with it.

[TragicTaste]

Are you in a popular residential area, i.e. a neighborhood or subdivision? I have never heard of this before, and I know I wont have to worry about it, but I do know a couple of people who might, and I want to ask them if they are aware that this happens.

[formica]

Really? That seems obvious to me why they would care..... Liability of a visitor getting bit?

I would have thought that they could provide cover without covering the snakes? and then you could take some kind of personal/public liability insurance out to cover anything you may be concerned about in relation to the snakes?

Insurance companies love to include exclusions to insurance policies, sounds a bit strange they would flat out refuse to take your money without considering excluding the snakes from the cover offered?

[RandyRhoads]

I live way out in the country not a popular subdivision.

[marvelfreak]

You could turn the rattlers lose back into the wild. Like the wild of the insurance agents front or back yard or maybe the wild of their car or mail box. Just saying.

[RandyRhoads]

Hahahaha.

I wish it was as easy as releasing them.

[Wama]

Would it help if you proved to them the viv's are locked, and room their in is locked also ?

[RandyRhoads]

Would it help if you proved to them the viv's are locked, and room their in is locked also ?

No. They wouldn't care if I had 50 years experience as a snake handler, had AV, locked vivs, or anything else.

[Wama]

No. They wouldn't care if I had 50 years experience as a snake handler, had AV, locked vivs, or anything else.
Hope you get something sorted.....

[RandyRhoads]

:no:Well, someone is coming Wednesday to pick up my burn:sad::sad::sad:

[Wama]

:no:Well, someone is coming Wednesday to pick up my burn:sad::sad::sad:
Sorry to hear this

[Lankyrob]

Sorry mate :(