Can you get homeowner insurance with a pitbull? The simple answer is yes! But in most cases, the insurance companies may limit or deny paying for damages caused by your pitbull dog. You love your pitbull, but some insurance companies aren’t as understanding.
They might see the breed as a risk factor, which can make things complicated when you’re trying to protect your home. Pit bulls are a breed that insurers often deem too dangerous to cover or will insure only at an increased price.
But don’t worry there’s good news, certain insurers may be more flexible, particularly if your dog has no history of aggression. In this guide, we’ll break down what you need to know about getting homeowners insurance with a pitbull and share tips to help you navigate the process smoothly.
By the end, you’ll be ready to find a policy that works for both you and your dog.
Why Insurance Companies Are Hesitant About Pitbulls
Insurance companies often hesitate to cover homes with pitbulls because of concerns about liability. Pitbulls are frequently listed among breeds considered “dangerous” by insurers, despite the loyalty and gentle temperament many owners experience with their dogs. This stigma comes largely from the breed’s association with dog bites and incidents that have led to insurance claims.
Here are some of the main reasons for this hesitance:
Perceived aggression: Pitbulls are sometimes seen as more aggressive than other breeds, even though this isn’t true for all dogs. This perception makes insurers wary of higher potential risks.
Liability concerns: In the event of a dog bite or attack, the homeowner could face significant financial liability. Insurance companies want to avoid costly payouts.
Breed-specific policies: Some states allow insurers to exclude certain breeds from coverage altogether. This means they can legally deny or limit coverage if you own a pitbull.
In regions where breed restrictions are common, homeowners face more challenges finding coverage. It’s important to know your local laws and whether your area has protections in place for pitbull owners.
Can You Get Homeowner Insurance with a Pitbull?
Certain companies won’t sell you coverage if you report owning a pit bull. And in most cases, companies will deny coverage for dogs who have bitten someone before. Others may be willing to insure homes with pit bulls but at a higher cost.
Some factors that affect whether or not you get coverage are:
Your dog’s history: Insurance companies are more likely to provide coverage if your pitbull has no history of aggression, bites, or attacks. Some may ask for proof of obedience training or behavior evaluations to show that your dog poses minimal risk.
Your location: Some states have laws that prevent insurance companies from discriminating against certain dog breeds, while others allow breed-specific exclusions. It’s worth checking your state’s stance on this to know your rights.
The insurance company’s policy: Some companies have a blanket ban on pitbulls, while others assess each situation individually. It’s possible to find insurers who are more breed-friendly, but it might take some research.
Certain companies are known for covering pitbulls, while others are stricter. You might need to look into specialized or smaller insurers that offer policies specifically for homeowners with pitbulls. With the right approach, you can find a policy that works for you and your dog.
Do I Need to Tell My Insurance Company I Own a Pitbull?
Yes, you should tell your insurance company if you own a pitbull. Being upfront about your dog is important because it impacts your coverage and any claims you may need to file. Failing to disclose that you have a pitbull could lead to complications later, such as having a claim denied or your policy canceled altogether.
It’s always better to be clear from the start. It might mean shopping around for a more pet-friendly insurer, but it ensures that you’re fully covered and won’t face surprises later on.
What to Do If Your Insurer Refuses Coverage
If your insurer refuses to cover you because of your pitbull, don’t panic there are still options. Some insurance companies have strict breed restrictions, but that doesn’t mean you’re out of luck. Here are a few steps you can take:
Shop around for a breed-friendly insurer
Not all insurance companies have the same policies. Some insurers are more lenient about covering pitbulls or may evaluate your dog based on its behavior rather than just the breed. Look for smaller, regional insurers or those specializing in pet-friendly policies.
Work with an independent insurance broker
Brokers have access to multiple insurance companies and can help you find one that’s willing to offer coverage. They often know which insurers are more flexible when it comes to pitbulls and other breeds that may be on restricted lists.
Look into specialty insurance
Some companies specialize in covering higher-risk dogs, including pitbulls. These policies may come with higher premiums or specific requirements, but they can provide the coverage you need.
Improve your dog’s profile
If your pitbull has undergone obedience training, is well-socialized, and has no history of aggression, you may be able to present this information to the insurance company. Providing vet records, training certificates, or letters from trainers can help your case.
Consider umbrella liability insurance
If your homeowner’s policy won’t cover your pitbull, adding an umbrella liability policy can offer an extra layer of protection. It won’t replace homeowners insurance but can cover dog-related incidents.
Alternatives to Traditional Homeowners Insurance
If you’re struggling to find traditional homeowners insurance that covers your pitbull, there are a few alternative options to consider:
Umbrella liability insurance
This type of policy offers additional liability coverage beyond your standard homeowners’ insurance. It can help cover incidents like dog bites or property damage caused by your pitbull, even if your homeowners’ policy doesn’t include it. Keep in mind that umbrella policies often require you to already have base liability coverage, so they’re a supplement, not a replacement.
Canine liability insurance
Some companies specialize in providing insurance specifically for dog owners, including those with breeds like pitbulls. These policies cover costs related to dog bites, injuries, and property damage caused by your dog. While not as comprehensive as homeowners insurance, they ensure you’re financially protected in case of a dog-related incident.
Renters Insurance
If you’re renting instead of owning a home, renters insurance can be an option. Some renters’ policies offer coverage for pet-related incidents, though you’ll need to find one that specifically covers pitbulls.
These alternatives might not fully replace traditional homeowners insurance, but they can provide valuable protection, especially if you’re facing breed restrictions from standard insurers.
Conclusion
Navigating homeowners insurance with a pitbull isn’t always easy, but it’s far from impossible. By understanding your options, being upfront with your insurer, and exploring alternative policies, you can find the coverage you need. Be persistent, and don’t settle for an insurer that won’t work with you and your dog.
Take the time to research, shop around, and even consider working with a broker or finding specialty insurance. With the right strategy, you’ll be able to protect your home and your pitbull.