Dog-friendly homeowners insurance companies

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

Jennifer Gimbel

By

Jennifer Gimbel

Jennifer Gimbel

Managing Editor & Home Insurance Expert

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

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By

Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

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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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.

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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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Dog-friendly homeowners insurance companies

When it comes to coverage for your pup, the following insurance companies are more likely to cover so-called dangerous dog breeds:

Allstate

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Allstate logo

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

  • Average annual rate for dog owners: $1,596

  • 8+ discounts, including autopay, bundling, zero claims, new homebuyer, and more

  • File and track claims online or through its mobile app

  • Save up to 25% for bundling your home and auto policies

  • Available in all 50 states and Washington, D.C.

  • Online quotes available through Policygenius

Cons

  • Doesn't offer a claims repair program to help you find a contractor for repairs after a natural disaster

Plymouth Rock

4.3

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Plymouth Rock logo

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

Pros

  • Average annual rate for dog owners: $1,022

  • Offers guaranteed replacement cost coverage for your home — ideal with the rise in inflation and construction costs skyrocketing

  • Mobile app makes managing your policy and filing a claim a breeze

  • Online quotes available through Policygenius

Cons

State Farm

3.7

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

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

  • Average annual rate for dog owners: $2,039

  • Add on replacement cost coverage for your home and personal property, identity restoration coverage, earthquake protection, and volcanic explosion coverage for even more protection

  • Save on premiums based on the number of consecutive years that you keep an active home insurance policy with State Farm

  • Available in all 50 states and Washington, D.C.

Cons

  • Can’t get a quote online — must contact a State Farm agent over the phone

USAA

3.7

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

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

  • Average annual rate for dog owners: $1,432

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Offers earthquake coverage — which is hard to come by 

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Available in all 50 states and Washington, D.C.

Cons

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

  • Only available to military families

AIG

2.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

AIG logo

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

Pros

  • Average annual rate for dog owners: $1,107

  • Complimentary wildfire and hurricane mitigation and protection services for homeowners in high-risk areas

  • Cash settlement claims available, meaning you can opt to receive cash instead of rebuilding your home after a covered loss

  • Robust rebuild and personal property coverage options available

  • Online quotes available through Policygenius

Cons

Chubb

2.5

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Chubb logo

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

  • Average annual rate for dog owners: $1,922

  • Standard policies come with extended replacement cost coverage for your home, replacement cost coverage for your personal belongings, and a number of endorsements and high coverage limits

  • Cash settlement option means you can opt for a cash reimbursement on a loss if you're not interested in replacing or repairing your damaged home or personal belongings

  • Loss of use coverage includes extra boarding expenses for dogs and pet kenneling

  • Online quotes available through Policygenius

Cons

  • Only available to homeowners with high-value homes and belongings

American Family

American Family logo

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

  • Average annual rate for dog owners: $1,568

  • Coverage add-ons available, including matching siding endorsement, other structures coverage, trip collision coverage, and hidden water damage protection

  • Diminishing deductible program rewards you for every year you renew your policy with American Family

  • Online quotes available through Policygenius

Cons

  • Only available in 19 states

Compare 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.

Insurance companyPolicygenius ratingA.M. Best ratingAverage annual costHow to get a quote
Allstate4.6 out of 5 starsA+ (Superior)$1,596Online through Policygenius
Plymouth Rock4.3 out of 5 starsA (Excellent)$1,022Online through Policygenius
State Farm3.7 out of 5 starsA+ (Superior)$2,039Over the phone
USAA3.7 out of 5 starsA+ (Superior)$1,432Over the phone
AIG2.9 out of 5 starsA (Excellent)$1,107Online through Policygenius
Chubb2.5 out of 5 starsA+ (Superior)$1,922Online through Policygenius
American FamilyNot ratedA (Excellent)$1,568Online through Policygenius

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.

StateCheapest company for dog ownersAverage annual rate
AlabamaUSAA$1,038
AlaskaWestern National$1,040
ArizonaUSAA$863
ArkansasFarmers$2,293
CaliforniaMercury$934
ColoradoAmerican Family$2,186
ConnecticutUSAA$1,259
DelawareNationwide$739
FloridaTower Hill$1,189
GeorgiaAuto-Owners Insurance$1,289
HawaiiDB Insurance$286
IdahoUSAA$1,149
IllinoisAllstate$1,059
IndianaAllstate$861
IowaAmerican Family$1,209
KansasAmerican Family$2,577
KentuckyState Auto$1,285
LouisianaUPC Insurance$1,195
MaineVermont Mutual Insurance$517
MarylandState Farm$1,311
MassachusettsMAPFRE Insurance$1,179
MichiganAuto-Owners Insurance$241
MinnesotaAuto-Owners Insurance$1,159
MississippiAllstate$1,372
MissouriUSAA$1,719
MontanaUSAA$1,650
NebraskaAmerican Family$1,926
NevadaUSAA$961
New HampshireVermont Mutual Insurance$657
New JerseyNJM$791
New MexicoFarmers$1,581
New YorkNational General$965
North CarolinaState Farm$904
North DakotaAgraria Insurance$1,477
OhioErie$1,031
OklahomaAllstate$3,264
OregonAmerican Family$782
PennsylvaniaAllstate$771
Rhode IslandNarragansett Bay$774
South CarolinaUSAA$726
South DakotaFarmers$1,761
TennesseeAllstate$1,613
TexasFarmers$484
UtahAmerican Family$630
VermontAuto-Owners Insurance$515
VirginiaState Farm$1,330
WashingtonAllstate$586
Washington, D.C.Chubb$890
West VirginiaErie$1,232
WisconsinAllstate$1,055
WyomingUSAA$711

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Frequently asked questions

How much does my homeowners insurance policy increase if I have a pit bull?

Some companies require you to carry a certain amount of liability coverage if you own a “dangerous” dog breed, such as a pit bull. According to the Insurance Information Institute, you may also be charged more for insurance if you own a pit bull, but your exact rates will vary based on your home insurance company, your coverage limits, and where you live.

Is it legal for an insurance company to deny or cancel my homeowners policy because I own a certain dog breed?

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.

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.

Methodology: How we found 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.