Yes, you can get homeowners insurance with a pitbull, but it's often harder, as many insurers consider them high-risk, potentially leading to higher premiums or denial, though some companies and states offer breed-neutral policies or ban breed discrimination, so shopping around with providers like State Farm, Lemonade, or Auto-Owners is key, especially with proper training and spaying/neutering.

Does Allstate allow pitbulls?

Although some insurance companies raise prices or even refuse to pay depending on the dog breed, Allstate takes a more comprehensive approach. Rather than have blanket restrictions, Allstate considers each dog's personality, history, and the owner's control over the pet rather than simply segregating by breed.

Do I need to tell my home insurance I have a dog?

Even if the questionnaire you fill out doesn't explicitly ask, it's still your responsibility to let your insurer know if there are any animals in the house. Note that some insurers exclude exotic, saddle, and farm animals without adding an endorsement to your policy.

What dogs won't homeowners insurance cover?

Which Dog Breeds Are Commonly Banned From Homeowners Insurance Coverage?

• Doberman pinscher.
• Pit bull terrier.
• Rottweiler.
• Chow chow.
• Wolf dogs and hybrids.
• Presa Canario (Canary Dog)
• Akita.
• German shepherd.

Can I get homeowners insurance if I have a pitbull dog?

Pit Bulls Can Increase Your Home Insurance Rate

While you may find homeowners insurance that covers pit bulls, a pit bull can increase your home insurance premium depending on your insurance company. Many providers consider pit bulls a higher risk than other dog breeds.

Pets can affect homeowners insurance

Does State Farm cover pitbulls?

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.

What is the 80% rule in homeowners insurance?

The 80% rule in homeowners insurance requires you to insure your home for at least 80% of its total replacement cost value to receive full coverage for damages, preventing penalties for being underinsured. If you carry less than 80% coverage and have a partial loss, the insurer applies a "coinsurance penalty," paying only a proportionate amount (e.g., 80% of the claim) and leaving you responsible for the rest, even for smaller repairs. This rule ensures you have enough money to rebuild, so you must update your coverage after major renovations or with rising material/labor costs. 

What insurance company covers pitbulls?

Homeowners Insurance Companies That Cover Pit Bulls

State Farm, Allstate and USAA offer homeowners insurance without automatic pit bull exclusions. These providers evaluate individual dog behavior and bite history rather than making coverage decisions based on breed alone.

What dogs are on the restricted breed list?

Canine Breeds with Dominate Traits toward Aggression:

• Alaskan Malamute.
• American Pit-Bull Terrier.
• American Staffordshire Terrier.
• Boxer.
• Cane Corso.
• Dalmatian.
• Doberman Pincher.
• German Shepherd.

Does USAA homeowners insurance allow pit bulls?

Most homeowners insurance providers cover dog-related incidents, but some companies exclude certain breeds considered more likely to bite or cause injury. State Farm, Allstate and USAA offer homeowners insurance without breed restrictions.

What states are pitbulls not allowed in?

There are no US states where Pit Bulls are banned from the entire state, but many cities have breed bans that prohibit Pit Bulls and other breeds considered dangerous. If you have or are considering getting a Pit Bull, it is important to research your area's laws to make sure that you won't lose your dog.

What home insurance companies don't have breed restrictions?

State Farm is one of the very few insurance companies that don't discriminate by dog breed. The company won't ask what breed of dog you have when you sign up for a policy, and it won't deny you coverage just because your dog's breed has a history of incidents.

Why do pit bulls suddenly get aggressive?

Pit bulls might seem to get aggressive suddenly due to missed signs of pain, fear, or developmental changes, often linked to their history as fighting dogs, leading to high prey drive or dog-dog aggression as they mature (1.5-3 years). Common triggers include illness (dental, joint), lack of socialization, environmental stress, resource guarding, or feeling trapped, with "sudden" aggression usually being the result of escalating cues owners didn't recognize.
 

Does having a pitbull raise homeowners insurance?

Yes, pitbulls are a higher risk of attacking and injuring people, which increases the carrier's liability risk.

What is the best dog for homeowners insurance?

Labrador Retriever. Labrador Retrievers are known for their friendly and gentle nature, making them excellent family pets. They have a low likelihood of aggression, making them more favored by insurance companies. Their popularity and reputation often result in lower premiums for homeowners.

Can home insurance drop you for a dog?

While some homeowners insurance companies will drop you if you have a breed of dog they consider aggressive, not every company does this. Some insurance companies will allow homeowners to add dogs that were previously excluded from policies if they complete a training course.

Do I have to tell my homeowners insurance that I have a dog?

Yes — you should inform your homeowners insurance provider if you have a dog. While you don't “add” your dog the same way you would a listed driver on an auto policy, disclosing pet ownership is essential for liability protection. Dog bites account for a significant portion of homeowners liability claims.

What's the most expensive dog to insure?

The top 10 most expensive dog breeds to insure

• Dogue de Bordeaux (pictured above) – £973.
• Cane corso – £943.
• Newfoundland – £898.
• Chow chow – £840.
• Shar Pei – £834.
• Bernese mountain dog – £831.
• Rottweiler – £819.
• French bulldog – £812.

How do dogs impact homeowners insurance?

Key takeaways. While liability coverage often covers dog bites, some dog breeds are excluded. Insurance companies sometimes exclude specific dog breeds because the risk of insuring them is too high. Having dogs that are considered high-risk can raise your home insurance cost.

Does AAA homeowners insurance have dog breed restrictions?

Liability coverage

This can include injuries from falls or other accidents. Dog bites are usually covered under your liability coverage, however certain breeds of dogs (purebred or hybrid) are excluded and you should see your individual policy for specific coverage and limitations.

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