Insurance companies consider pit bulls to be a high risk breed
Many insurance companies exclude pit bulls from coverage, meaning your liability won’t be covered if it attacks someone and they sue
If you have a dangerous breed, consider increasing your liability protection with an umbrella policy
Although you might love your pet, it’s true that your homeowners insurance company might not think of them as fondly as you do. Homeowners insurance might cover certain pet related damage or injury, but it depends on the breed of pet and the factors surrounding the event.
Certain breeds of dogs, like pit bulls, are notoriously difficult to insure. As a way to decrease risk and potentially expensive liability claims, some insurers may exclude coverage for pit bulls or they may refuse to cover you altogether if you have a pit bull.
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Technically, you can get homeowners insurance if you have a pit bull, but it depends on the insurance company. Some insurers might see pit bulls as high risk and deny you coverage. It’s becoming more common for insurers to deny coverage due to your dog’s breed, especially if you own a pit bull or a Rottweiler. If you are denied coverage because of your pit bull, you should shop around to find a more lenient insurance company. Certain major insurance companies, like State Farm and Allstate, insure all dog breeds, so while you’re shopping around for home insurance you should ask if there are any dog breed exclusions.
Insurance companies can be picky when it comes to pets, so you should read your policy to see if there are any caveats. For example, some insurance companies will insure your dog if it has gone through a certain amount of training.
It’s important to educate yourself on your state’s laws when it comes to dog attacks. The responsibility is on you as the pit bull owner to take precautions when it comes to the safety of your pit bull and the people and animals it interacts with.
If your insurance company does cover your pit bull, a standard homeowners policy offers coverage for injuries caused by most dogs under the personal liability coverage and medical expenses component of your policy.
If you have a pit bull, consider increasing your personal liability coverage and medical payments components of your homeowners insurance policy. If your pit bull was to seriously injure someone, you could be on the hook for their medical bills plus the legal fees if they were to sue, potentially costing you hundreds of thousands of dollars.
If your pit bull isn’t covered, you should shop around for a different insurance company. If your homeowners insurance excludes pit bulls, but agrees to insure your home, you won’t be able to file a claim if your pit bull bites anyone or if it destroys someone’s property.
There are a few ways you can get coverage or additional coverage for your pit bull.
About the author
Kara McGinley is an Insurance Editor at Policygenius. She previously worked as a freelance writer and a copywriter for various startups. Her work can be found in Teen Vogue, The Culture Crush, Mask Magazine, and more.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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