Best Homeowners Insurance That Allows Pit Bulls

State Farm offers the best home insurance for owners of Pit Bulls.

min read
Updated: 08 January 2024
Written by
Bob Phillips
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Welcome to your ultimate guide on the “Best Home Insurance That Covers Pit Bulls.” As an insurance industry professional with 15 years of experience, I assure you that you’ve landed at the right place to address this sometimes frustrating issue.

I understand that finding the right home insurance for pit bull owners can be difficult, given the breed-specific restrictions imposed by many insurance companies. Rest assured, we’re here to sift through the jargon and present you with the best options that will accommodate your dog without compromising on coverage.

The repercussions of not securing appropriate home insurance as a pit bull owner are serious. Without breed-inclusive coverage, you could face high out-of-pocket costs in case of incidents or even risk losing your coverage entirely. We know that your pup is part of your family, and it’s vital to find an insurance plan that recognizes this.

Our extensive research, personal experience, and customer feedback have enabled us to identify the best insurance providers who believe that “it’s not the breed, it’s the bite” and provide comprehensive coverage regardless of your dog’s breed. Let’s explore these options so you can enjoy peace of mind knowing both your home and your pit bull are protected.

Best Home Insurance Companies That Cover Pit Bulls, 2024

Best Home Insurance For Pit Bulls, 2024

Comparison Of Best Home Insurance Companies That Cover Pit Bulls

Overall Rating Best For A.M Best Rating J.D Power Rating Online Quote Get A Quote
State Farm
4.9

Overall

A++

829

Yes

Instant Quote
Allstate
4.8

Individualized Underwriting

A+

809

Yes

Instant Quote
Nationwide
4.7

Comprehensive Coverage

A+

812

Yes

Instant Quote
Scroll to see comparisons

Our Methodology

Leveraging my 15-year tenure as a licensed agent in the insurance industry, I've conducted an extensive analysis of home insurance providers that cover pit bulls. My assessment is based on customer service ratings, product options, and a thorough review of various online platforms. My insights are based on many interactions with representatives from various companies and hands-on experience selling home insurance. This gives me a unique perspective that combines industry knowledge with practical experience.

43

Quotes Analyzed

17

Brands Reviewed

15+

Years Of Experience

30+

Research Hours

Best Home Insurance Companies For Pit Bulls


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In an industry where many companies have developed banned dog lists, State Farm stands out for its inclusive policies. When writing policies, State Farm does not ask about the breed or type of dog a person owns. This practice is a breath of fresh air for pit bull owners. State Farm’s welcoming approach has earned it a spot among the few insurance companies that do not have dog breed restrictions.

State Farm offers personal liability coverage, a crucial aspect of home insurance, especially for pit bull owners. This coverage can protect homeowners if their dog injures someone or causes property damage. With State Farm, pit bull owners can have peace of mind knowing they’re covered in case of an unfortunate incident. This feature is especially vital considering the unfair stigma often associated with pit bulls and potential legal implications.

Additionally, State Farm’s customer service reputation stands out among its competitors. The company has consistently high ratings for customer satisfaction, which reflects its commitment to meeting policyholder needs. For pit bull owners, this means they can expect excellent service, an easy claim process, and a provider that values them as clients. These factors contribute to why many pit bull owners choose State Farm as their home insurance provider.

Benefits & Drawbacks

Benefits
  • No dog breed restriction
  • Competitive pricing
  • Highly-rated customer service
Drawbacks
  • Limited discounts
  • Rates can be higher based on local pet ordinances
  • Considers breed when formulating rates

Best For Individualized Underwriting

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Allstate offers a comprehensive home insurance solution that is considerate of pit bull owners. Its policies are not breed-specific, making it an excellent choice for those with pit bulls. While some insurance companies might increase premiums or even deny coverage based on the breed of the dog, Allstate takes a more inclusive approach.

Allstate stands out with its customized approach to underwriting different dog breeds, including pit bulls. The company determines home insurance eligibility for homeowners with dogs considered “aggressive” on a case-by-case basis rather than implementing blanket breed restrictions. This individualized evaluation allows Allstate to consider each dog’s behavior, history, and the homeowner’s management of their pet rather than simply categorizing them by breed. This underwriting process provides a fairer assessment and potentially more opportunities for coverage for pit bull owners.

Beyond its inclusive breed policies, Allstate is recognized as a dog-friendly home insurance company. They offer resources and guides on how owning a dog can impact your home insurance, providing valuable insights for pit bull owners. Additionally, the company’s reputation for above-average customer service ensures a smooth insurance experience for pit bull owners.

Benefits & Drawbacks

Benefits
  • Inclusive breed policies
  • Customized underwriting
  • Multiple coverage options
Drawbacks
  • Multiple online customer service complaints
  • Premiums may be higher based on local pet ordinances
  • Considers breed when formulating rates

Best For Comprehensive Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Nationwide stands out as an excellent choice for pit bull owners seeking home insurance. Unlike some insurers that may exclude specific dog breeds from coverage, Nationwide does not discriminate based on breed. This approach ensures pit bull owners are not left out in the cold when it comes to securing comprehensive home insurance.

One of the key reasons why Nationwide is an ideal choice for pit bull owners is its comprehensive coverage. The personal liability coverage within your homeowners’ insurance will typically cover a dog bite up to the liability limits of the policy. This means that if your pit bull were to cause injury to someone, you would have financial protection.

In addition to its inclusive breed policies and comprehensive coverage, Nationwide’s reputation as a reliable and trusted insurance provider bolsters its appeal for pit bull owners. Known for its customer service and financial stability, Nationwide offers a sense of security for homeowners, including those with pit bulls.

Benefits & Drawbacks

Benefits
  • Inclusive breed policies
  • Comprehensive coverage
  • Excellent reputation
Drawbacks
  • Higher than average customer service complaints
  • Only available through Nationwide agents
  • Rates can be higher based on the dog’s past behavior

Do Home Insurance Companies Cover Pit Bulls?

Owning a pit bull doesn’t automatically disqualify you from obtaining home insurance. However, it’s important to understand that while many insurance companies will provide coverage, they may exclude claims related to incidents involving restricted breeds such as pit bulls. This is due to the perceived risk associated with these breeds.

When looking for home insurance as a pit bull owner, thoroughly reviewing the policy details is a must. Some insurance providers may cover pit bulls but might charge higher premiums, require additional liability coverage, or exclude any incidents involving your dog. Therefore, when comparing different policies, consider not just the cost but also what is covered and what isn’t.

Why Are Pit Bulls An Issue For Home Insurance Companies?

Pit bulls often find themselves at the center of a controversial debate – are they inherently dangerous or simply misunderstood? This question becomes particularly relevant when it comes to home insurance. Many insurance companies consider pit bulls a risky breed, leading to higher premiums or even policy exclusions for homeowners with these dogs.

The perception of pit bulls as a dangerous breed is largely rooted in their history and certain behavioral traits. Originally bred for bull-baiting and later for dog fighting, pit bulls have a reputation for aggression, particularly towards other dogs. This stereotype, coupled with high-profile incidents involving pit bulls, has contributed to their image as a dangerous breed.

However, it’s important to note that behavior can vary greatly within a breed. Many experts argue that there’s no breed that is more dangerous than others. For instance, Marcy Setter of the Pit Bull Rescue Center states, “There is not any breed of dog that is inherently more dangerous.”

Despite the ongoing debate, some statistics do indicate a higher incidence of attacks associated with pit bulls. According to DogsBite.org, between 2005 and 2017, pit bulls contributed to 66% of total fatal dog attacks in the United States, despite comprising only 6.5% of the total U.S. dog population. These numbers, however, should be interpreted with caution as they don’t account for factors like the dog’s upbringing, training, or socialization.

The perceived risk associated with pit bulls directly impacts home insurance policies. Insurance companies calculate premiums based on risk assessment. Given the statistics and general perception of pit bulls, insurers often consider them a liability risk. This can result in higher premiums or policy exclusions for pit bull owners.

How To Find Home Insurance With A Pit Bull

Pit bulls often face a bad rap in the insurance world due to their perceived risk. However, as a responsible pet owner, you can take proactive steps to make your pit bull more insurable.

Training is paramount; consider enrolling your pit bull in obedience classes or obtaining a Canine Good Citizen certificate from the American Kennel Club. This demonstrates to insurers that your dog is well-behaved and less likely to pose a risk.

Additionally, maintaining a record of your dog’s behavior, including any incidents or lack thereof, can also be beneficial. Regular veterinary check-ups, neutering, and proper socialization can further enhance your dog’s insurability.

When it comes to finding home insurance as a pit bull owner, there are several strategies you can employ. First, shop around. Different insurance companies have different policies regarding pit bulls; while some may exclude them or charge higher premiums, others do not discriminate based on breed. Companies such as State Farm, Nationwide, and Allstate, for example, allow pit bulls to be covered under your liability insurance.

When comparing different policies, it’s crucial to read the fine print. Some insurance providers may cover pit bulls but might charge higher premiums, require additional liability coverage, or exclude any incidents involving your dog. It’s essential to understand these nuances to avoid unexpected expenses in the future.

Which Dog Breeds Are Listed As Dangerous?

Based on various sources, the following dog breeds are often listed as dangerous:

  1. American Pit Bull Terrier
  2. Rottweiler
  3. German Shepherd
  4. Husky
  5. Wolf Hybrid
  6. Alaskan Malamute
  7. Staffordshire Terriers
  8. Presa Canarios
  9. Chow Chows
  10. Doberman Pinschers
  11. Akitas
  12. Mastiffs
  13. Cane Corso
  14. American Bulldog
  15. Bullmastiff
  16. Siberian Husky
  17. Dalmatians
  18. Great Danes
  19. Boxers
  20. Japanese Tosa
  21. Dogo Argentino
  22. Fila Brasileiro

Alternative Ways To Get Your Pit Bull Insured

Securing insurance coverage for your pit bull may seem daunting, given the breed’s unjust ‘dangerous’ label. However, there are alternative ways to ensure your dog is covered without compromising your home insurance policy.

One such alternative is to consider an umbrella policy. An umbrella policy can provide additional liability coverage beyond the limits of your homeowners or renters insurance. This can be particularly useful if your primary policy excludes pit bulls or other breeds perceived as risky. Umbrella policies can cover liabilities that your standard insurance may not, such as damage or injuries caused by your pit bull.

Another alternative is to opt for dog liability insurance. This type of insurance is designed specifically to cover damages or injuries caused by dogs, regardless of their breed. Some companies offer “Pit Bull Liability Insurance,” which covers medical expenses, legal costs, and property damage resulting from your dog’s actions. This can be a viable option if you’re struggling to find traditional home insurance that accommodates pit bulls.

Tips To Lower Your Home Insurance If You Have A Pit Bull

Owning a pit bull can sometimes lead to higher home insurance premiums due to the breed’s reputation. However, there are ways to mitigate this and potentially lower your insurance costs. First and foremost, consider neutering or spaying your pit bull if you haven’t already. Insurers often view neutered or spayed dogs as less aggressive and, therefore, less risky.

Investing in training and certifications can also make a significant difference. Enroll your pit bull in obedience classes or work towards obtaining a Canine Good Citizen certificate from the American Kennel Club. These credentials showcase your pet’s good behavior and can help convince insurance companies that your pit bull isn’t a liability risk.

If your current insurer is charging high premiums due to your pit bull, don’t hesitate to shop around. Different insurance providers have varying policies regarding pit bulls, and it’s possible to find companies that do not discriminate based on breed.

Additionally, consider securing an umbrella policy or a standalone dog liability policy. These additional coverages can provide extra protection beyond what’s included in your standard home insurance, potentially leading to lower overall costs.

FAQs

Is pet insurance more expensive for pit bulls?

Yes, pet insurance can be more expensive for pit bulls. This is primarily due to the breed’s reputation, which often leads insurance companies to view them as a higher risk. However, it’s worth noting that many factors influence costs, such as the dog’s behavioral history, training, and socialization.

Can I get home insurance if I have a pit bull?

Securing home insurance while owning a pit bull is entirely possible. While some insurance providers may be hesitant due to the breed’s reputation, many companies recognize that an individual dog’s behavior is more indicative of risk than its breed.

Do I have to tell my insurance company if I get a pit bull?

Absolutely. Transparency is key when it comes to insurance policies. If you’ve recently become a pit bull owner, it’s necessary to inform your home insurance provider. This allows them to adjust your coverage accordingly and ensures you’re adequately protected against potential liabilities.

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