The Louisiana Reptile & Amphibian Task Force formed a committee to recommend language for a new state law requiring permits for constrictors over 12 feet and venomous snakes. One concern was liability. All State Insurance told us that the insurance companies could not refuse or cancel insurance just because reptiles were on the premises because owning reptiles is not against the law. If a state or local ordinance forbid reptile ownership then they could cancel or refuse. This would also be the case if you were maintaing a reptile business; it would not be insured under home ownership unless you had a business rider.

However, if your reptile(s) became the object of persecution or a lawsuit, then they could cancel after the first claim was paid. The gist of it was that an insurance company cannot refuse unless the activity is illegal. You may need to file a complaint with your state insurance office. ~Bill~
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