My homeowners insurance was just cancelled due to reptiles in the home.



I was at my State Farm Bureaus office to add a new vehicle to my automobile policy when the underwriter and I engaged in small talk regarding our kids and animals. I mentioned my son has 3 leopard geckos and we have some snakes. Three weeks later I received a cancellation letter from the State Farm Bureau stating "due to an increased risk" my homeowners policy policy will be cancelled in 30 days.



I called and they told me it was for the reptiles. Evidently it does not matter if its one gecko, iguana or snake or several. Any reptile is not allowed. Either way I am considered a "risk" by the insurance company even though I am still not sure what that risk really is?



I did some searching on the net and discovered this has happened to others. I also found out most insurance companies do not allow reptiles in the home. It is usually discovered when herpers call their insurance company to discuss the possibility of insuring their collection and then the insurance company cancels them. In my case I did not want to insure I just made the honest mistake of not knowing this was in their policy.



I tried to reason with them about how common it is for people to have reptiles as pets these days and that reptiles are sold in pet shops all over the country. I also said we would get rid of the snakes and geckos asap. But it did not help as the final decision came today and my policy will remain cancelled.

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