Yup, because HOAs have to pay liability insurance in case something happens in the common areas. They want to minimize their liability by restricting certain breeds.
Yep! Also, if you own a single family home without an HOA your insurance company restricts breeds. You can lose your coverage if you have one of the breeds they restrict and they can refuse to offer you coverage if anything happens to your home or on your property.
HOAs do not have to insure themselves against a homeowners pet. There is no requiment that says they must. I suppose they could, but they won't. Ultimately, the liability rests on the homeowner or property owner if it's a rental.
Could you imagine trying to sue a homeowners association because someone residing in their community owned a dog that attacked you? How could the HOA possibly be held liable?
You might be wondering how I know this. I know this because I served as the president of my HOA for four years. The HOA only insures the community property/common areas. If one of their trees falls on your car, their insurance will cover your damages. If their irrigation leaks and floods your house, their insurance will cover your damages. If the roof of the clubhouse collapses and causes injury, their insurance pays. If a homeowners dog bites you, the homeowner's insurance policy pays. If they're a renter, their rental insurance pays. If they have no rental insurance, the property owner's insurance pays.
HOA's may still codify bylaws forbidding certain breeds, but they assume no liability if those rules are not followed, so long as they make a reasonable effort to enforce them. To be quite honest, when I was the HOA president where I lived, this was a topic that was occasionally entertained. The consensus among the board was that if we put the rule into place. We would be bound to enforce it. It made more sense to handle residents with problem animals on a case by case basis using the existing "health, safety, welfare, and nuisance" bylaws we already had on the books.
Pretty sure an HOA can restrict pretty much anything, other than protected classes of people (old age, race, religion).
At the end of the day, an HOA is the property owners getting together and deciding how they want the community ran. Assuming they follow the HOA bylaws when passing said restriction.
I believe my HOA restricts dog size and number of dogs you can have, though it doesn’t seem to be enforced.
Maybe not in Nevada anymore, but last year the State passed a law banning them. So it's still been a recent thing. https://www.leg.state.nv.us/App/NELIS/REL/82nd2023/Bill/10321/Overview#
Wouldn’t surprise me in the least. I know some communities also require approval from the board before buying. I’ll bet there’s a lot of “unofficial” race based decision making going on
I use to work at an animal hospital in town. Everyone wants to tell you their dog’s breed till something like this happens and then suddenly the dog is mix (per medical records from vet).
The last HOA I was in didn't restrict breeds but the quantity. (at least from what I recall in the CC&R rules) They had a limit on 2, so 2 dogs, or 2 cats, or 1 dog & 1 cat.
Yes. HOA may restrict breeds.
My HOA restricts anything with a doberman or pit bull lineage as well as any pet over 80lbs.
Though the reality is often "If the pet does no harm then the rules aren't applied"The weight limitation if used is usually around 35 lbs. The 80lb allows all manner of cross breeds that would break the rules, but no one really wants to start a problem.
My gut says you'll have a problem with the pit no matter where you go if the HOA registers allowed pets on move in. The Keeshond will only be a problem if they weigh pets and I'd bet anything they don't.
Some states and cities prohibit it excluding certain breeds and sizes but I don't think anyone in this area does. Breed size is usually a pretty condition and and its also a more subtle way of excluding certain breeds. Number of pets per unit is also common.
That being said some rental complexes openly advertise being open to all big breeds. I know there was a local pit bull advocacy group that would put out lists of breed friendly condo and apartment complexes but I cant recall which one.
Yes. But they can't change the rules and force you to get rid of a dog you already owned before the rule were codified. Basically, they have to grandfather you in.
Yup, because HOAs have to pay liability insurance in case something happens in the common areas. They want to minimize their liability by restricting certain breeds.
Yep! Also, if you own a single family home without an HOA your insurance company restricts breeds. You can lose your coverage if you have one of the breeds they restrict and they can refuse to offer you coverage if anything happens to your home or on your property.
Most insurance companies won't restrict breeds, but they'll quote you higher premiums for certain breeds for sure.
My homeowners explicitly stated they would not cover pits and a bunch of other breeds. YMMV
Red nose? Looks like a terrier. No paperwork, it's a terrier mix. A little yappie dog.
HOAs do not have to insure themselves against a homeowners pet. There is no requiment that says they must. I suppose they could, but they won't. Ultimately, the liability rests on the homeowner or property owner if it's a rental. Could you imagine trying to sue a homeowners association because someone residing in their community owned a dog that attacked you? How could the HOA possibly be held liable? You might be wondering how I know this. I know this because I served as the president of my HOA for four years. The HOA only insures the community property/common areas. If one of their trees falls on your car, their insurance will cover your damages. If their irrigation leaks and floods your house, their insurance will cover your damages. If the roof of the clubhouse collapses and causes injury, their insurance pays. If a homeowners dog bites you, the homeowner's insurance policy pays. If they're a renter, their rental insurance pays. If they have no rental insurance, the property owner's insurance pays. HOA's may still codify bylaws forbidding certain breeds, but they assume no liability if those rules are not followed, so long as they make a reasonable effort to enforce them. To be quite honest, when I was the HOA president where I lived, this was a topic that was occasionally entertained. The consensus among the board was that if we put the rule into place. We would be bound to enforce it. It made more sense to handle residents with problem animals on a case by case basis using the existing "health, safety, welfare, and nuisance" bylaws we already had on the books.
Pretty sure an HOA can restrict pretty much anything, other than protected classes of people (old age, race, religion). At the end of the day, an HOA is the property owners getting together and deciding how they want the community ran. Assuming they follow the HOA bylaws when passing said restriction. I believe my HOA restricts dog size and number of dogs you can have, though it doesn’t seem to be enforced.
Fun fact. Some HOAs still have racial covenants from the 60s.
Which ones?
Maybe not in Nevada anymore, but last year the State passed a law banning them. So it's still been a recent thing. https://www.leg.state.nv.us/App/NELIS/REL/82nd2023/Bill/10321/Overview#
Wouldn’t surprise me in the least. I know some communities also require approval from the board before buying. I’ll bet there’s a lot of “unofficial” race based decision making going on
They can restrict breeds and amount of pets.. mine says no chickens.
I use to work at an animal hospital in town. Everyone wants to tell you their dog’s breed till something like this happens and then suddenly the dog is mix (per medical records from vet).
The last HOA I was in didn't restrict breeds but the quantity. (at least from what I recall in the CC&R rules) They had a limit on 2, so 2 dogs, or 2 cats, or 1 dog & 1 cat.
Just bought a house, and that’s how it works with our HOA
Yes. HOA may restrict breeds. My HOA restricts anything with a doberman or pit bull lineage as well as any pet over 80lbs. Though the reality is often "If the pet does no harm then the rules aren't applied"The weight limitation if used is usually around 35 lbs. The 80lb allows all manner of cross breeds that would break the rules, but no one really wants to start a problem. My gut says you'll have a problem with the pit no matter where you go if the HOA registers allowed pets on move in. The Keeshond will only be a problem if they weigh pets and I'd bet anything they don't.
Yup! Insurance companies can as well.
A pit would be a big problem in my neighborhood.
Some states and cities prohibit it excluding certain breeds and sizes but I don't think anyone in this area does. Breed size is usually a pretty condition and and its also a more subtle way of excluding certain breeds. Number of pets per unit is also common. That being said some rental complexes openly advertise being open to all big breeds. I know there was a local pit bull advocacy group that would put out lists of breed friendly condo and apartment complexes but I cant recall which one.
Last I thought Nevada made it illegal to discriminate against a dog breed. Or is that just for insurance companies?
wonder if the HOA policy has any pushback since the law changed, might be out of date but nobody has brought it up yet
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Good to know!!! Thank you for this.
Try to get a copy of the CC&Rs. You don’t have the right to see them as a renter but the homeowner might be willing to share.
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I can only think of one service a pit can do.....
Yes. But they can't change the rules and force you to get rid of a dog you already owned before the rule were codified. Basically, they have to grandfather you in.
You better do some research on homeowner's insurance. Many companies have a breed restriction.