7 dog-friendly home insurance companies

Allstate, State Farm, USAA, and Plymouth Rock all top our list of the best dog-friendly homeowners insurance companies.

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By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|2 min read

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Because dogs are responsible for so many personal liability claims, many home insurance companies won't cover your dog if they're categorized as a so-called dangerous breed or have a history of biting. [1] Others might refuse to extend you coverage altogether. But you're not totally out of luck if you live with a four-legged friend. We rounded up some of the best home insurance companies for dog owners, including the cheapest companies by state.

Compare rates from dog-friendly home insurance companies

We don't sell your information to third parties.

Key takeaways

Does homeowners insurance cover dogs?

A standard homeowners insurance policy includes two types of coverage to protect you from expensive bills caused by your dog:

Just keep in mind that some home insurance companies won't extend coverage to your dog if they're deemed a dangerous dog breed, while others might refuse to write you a policy altogether. And if your dog has a history of biting or if a liability claim has been filed against you in the past, you may also have a difficult time securing homeowners insurance coverage.

➞ Learn more about homeowners insurance and dogs

What dog breeds are considered high risk?

Certain dog breeds are responsible for a majority of home insurance claims, causing some home insurance companies to exclude those breeds from standard home insurance coverage.

If you own one of the following breeds, you may need to look into a dog-friendly home insurance company to cover bodily injury and property damage you’re liable for as their owner:

  • Akita

  • Alaskan Malamute

  • Any wolf breeds

  • Chow chow

  • Presa Canario

  • Rottweiler

  • Siberian husky

  • Staffordshire terrier

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We don't sell your information to third parties.

Unless you live in Illinois, Michigan, Nevada, New York, or Pennsylvania, it is legal for home insurance companies to deny or cancel your policy if you own a “dangerous” dog breed.

In 2005, Michigan’s Insurance Department passed a law stating that insurers can “deny coverage or not renew a policy” after a dog bite, dog attack, or any paid claim for your dog under a policy. A law passed in Pennsylvania that same year also states that a dog’s breed “does not justify canceling or not renewing a policy” unless it’s proven to be dangerous.

And dog groups in Illinois, Nevada, and New York have successfully lobbied state legislators to ban insurers from refusing coverage based on your dog's breed.

Dog-friendly home insurance companies

Here’s a look at how the top dog-friendly homeowners insurance companies compare according to their Policygenius rating. Our Policygenius ratings take into consideration each company’s financial stability, home insurance rates, consumer confidence, customer satisfaction ratings, and coverage options. See our full homeowners insurance ratings methodology.

Insurance company

Policygenius rating

A.M. Best rating

Average annual cost

USAA

4.9 out of 5 stars

A+ (Superior)

$1,479

State Farm

4.8 out of 5 stars

A+ (Superior)

$2,039

American Family

4.5 out of 5 stars

A (Excellent)

$1,568

Allstate

4.4 out of 5 stars

A+ (Superior)

$1,650

Chubb

4.4 out of 5 stars

A+ (Superior)

N/A

Plymouth Rock

4.3 out of 5 stars

A (Excellent)

$1,022

AIG

4.3 out of 5 stars

A (Excellent)

N/A

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What can I do if an insurance company denies or cancels my homeowners coverage because of my dog?

If a home insurance company denies your application, you can shop around for coverage with more dog-friendly companies and compare quotes. Even if you’re happy with your existing insurer, you should still regularly compare rates at multiple companies since you might find better coverage for a lower price with a different provider.

Deep dive into the best dog-friendly home insurance companies

Here's a more in-depth look at some of the best dog-friendly home insurance companies:

award icon

2024 Policygenius award winner

USAA

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Smart home discounts

Offers earthquake insurance

Offers flood insurance

Why we chose itchevron icon

USAA cares about your dogs' bite history and if they've displayed any signs of aggression in the past — not their breed — when determining whether you qualify for home insurance.

Pros and conschevron icon

Pros

  • Affordable rates

  • Over a dozen additional coverage options

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Limited to people affiliated with the U.S. military

More detailschevron icon

Average rate for dog owners: $1,479 per year

award icon

2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Offers flood insurance

Offers earthquake insurance

Offers extended replacement cost

Why we chose itchevron icon

State Farm considers each dog an individual, meaning they won't ask what breed of dog you own when writing your home insurance policy. They've also partnered with Trupanion to offer pet health insurance to ensure your furry friends are fully protected.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Average rate for dog owners: $2,039 per year

award icon

2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers flood insurance

Bundle home & auto

New homebuyer discount

Smart home discounts

Mobile app

Why we chose itchevron icon

American Family’s standard homeowners insurance policy will cover any dogs not considered a dangerous breed with coverage that includes expenses related to lawsuits, accidental bodily injury, and damage to someone else’s property.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Average rate for dog owners: $1,568 per year

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Offers flood insurance

New homebuyer discount

Smart home discounts

Why we chose itchevron icon

Like many of the insurers on our list, Allstate writes home insurance policies based on your specific dog's demeanor and bite history — not its breed. And bonus: You can also add on pet insurance to ensure your pup is fully protected.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Average rate for dog owners: $1,650 per year

Chubb

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Smart home discounts

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Ideal for dog owners with high-value homes, Chubb's masterpiece home insurance policy only considers a dog's biting history — not their breed — when deciding if you qualify for coverage.

Pros and conschevron icon

Pros

  • Extended replacement cost coverage

  • Cash-out claim settlements

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Only insures high-value homes

  • Below-average J.D. Power customer satisfaction ratings

More detailschevron icon

Average rate for dog owners: N/A

Plymouth Rock

Plymouth Rock logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Offers flood insurance

Why we chose itchevron icon

Plymouth Rock’s liability provision covers dog bites and other dog-inflicted damage and injuries.

Pros and conschevron icon

Pros

  • Cheap rates that are around 60% lower than the national average

  • Guaranteed replacement cost coverage for your home available

  • Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood

Cons

  • Doesn’t offer replacement value coverage for your personal belongings

  • Only available in six states throughout the Northeast

More detailschevron icon

Average rate for dog owners: $1,022 per year

AIG

AIG home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Smart home discounts

Why we chose itchevron icon

AIG's standard home insurance policy includes coverage for damage caused by your pup or any other domestic pet.

Pros and conschevron icon

Pros

  • Industry-best customer and claims satisfaction ratings with J.D. Power

  • Guaranteed & extended replacement cost coverage available

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Doesn't allow you to purchase standalone home insurance

More detailschevron icon

Average rate for dog owners: N/A

Cheapest home insurance companies for dog owners by state

Allstate, USAA, American Family, and State Farm make repeat appearances on our list of the cheapest home insurance companies for dog owners by state.

State

Cheapest company for dog owners

Average annual rate

Alabama

USAA

$1,038

Alaska

Western National

$1,040

Arizona

USAA

$863

Arkansas

Farmers

$2,293

California

Mercury

$934

Colorado

American Family

$2,186

Connecticut

USAA

$1,259

Delaware

Nationwide

$739

Florida

Tower Hill

$1,189

Georgia

Auto-Owners Insurance

$1,289

Hawaii

DB Insurance

$286

Idaho

USAA

$1,149

Illinois

Allstate

$1,059

Indiana

Allstate

$861

Iowa

American Family

$1,209

Kansas

American Family

$2,577

Kentucky

State Auto

$1,285

Louisiana

UPC Insurance

$1,195

Maine

Vermont Mutual Insurance

$517

Maryland

State Farm

$1,311

Massachusetts

MAPFRE Insurance

$1,179

Michigan

Auto-Owners Insurance

$241

Minnesota

Auto-Owners Insurance

$1,159

Mississippi

Allstate

$1,372

Missouri

USAA

$1,719

Montana

USAA

$1,650

Nebraska

American Family

$1,926

Nevada

USAA

$961

New Hampshire

Vermont Mutual Insurance

$657

New Jersey

NJM

$791

New Mexico

Farmers

$1,581

New York

National General

$965

North Carolina

State Farm

$904

North Dakota

Agraria Insurance

$1,477

Ohio

Erie

$1,031

Oklahoma

Allstate

$3,264

Oregon

American Family

$782

Pennsylvania

Allstate

$771

Rhode Island

Narragansett Bay

$774

South Carolina

USAA

$726

South Dakota

Farmers

$1,761

Tennessee

Allstate

$1,613

Texas

Farmers

$484

Utah

American Family

$630

Vermont

Auto-Owners Insurance

$515

Virginia

State Farm

$1,330

Washington

Allstate

$586

Washington, D.C.

Chubb

$890

West Virginia

Erie

$1,232

Wisconsin

Allstate

$1,055

Wyoming

USAA

$711

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Methodology: Why you can trust our rates for the cheapest home insurance companies for dog owners

Policygenius has analyzed 128 companies to find the cheapest home insurance companies for dog owners in each state. Rates are provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old homeowner with no claim history, good credit, a $1,000 deductible, owns a high-risk dog, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards.

Compare rates from dog-friendly home insurance companies

We don't sell your information to third parties.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Insurance Information Institute

    . "

    Spotlight on: Dog bite liability

    ." Accessed May 25, 2022.

Author

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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