What happens if somebody gets hurt and you did not notify the insurance company if you had one of these conditions?

You get sued, and get to pay money out of your pocket.

Get rid of the dog. Find coverage for the toy.

lies when you purchase a home insurance contract might lead to not being paid
I'd revise the contract, for few bucks more a year you'd de sure to get paid...
regarding the pitbull....it's prohibited so....

Nope.

That's a prohibited dog, and a dangerous device.

If you lied on your application, they don't cover the claim. In EITHER case, as soon as they find out the dog and/or trampoline is there, they give you 30 days to get rid of them, then cancel your policy.

I know of ONE company that will insure a house with a pitt bull - Foremost insurance. They actually put a dog bite liability EXCLUSION on the policy, so they don't cover dog bites. AND, being a higher risk company, they cost a lot more, and you get less coverage.

Companies actually end up covering a lot of these claims - dog bites are the #1 liabiltiy claim on homeowners policies, and trampoline injuries the #2 claim. When someone gets the dog/tramp AFTER the policy, the insurance company doesn't find out until there's an issue of some sort - or they send you a renewal questionaire. Then they're stuck on the claim - but you KNOW the first time you file one, they cancel you.

And after you have a dog bite or trampoline claim, good luck finding ANYONE to insure you, even after you get rid of them. The claim will stay on your CLUE report, so all the other insurance companies will know Dog Bite! or Trampoline! and they'll decline to give you a policy.


**ps, do you have a trampoline or skateboard ramp is a standard question on the iso application. if the agent isn't asking, he's checking the box "no" without asking, and your signature makes it binding. so read your application before you sign it."

I've had insurance companies ask if we had a dog and what breed. Never had them ask about trampolines.

If you lie on an application, and the insurance company can prove it, that constitutes fraud and the contracts usually have language that gets them off the hook in those circumstances. Check your policy.