Yes, owning a pit bull can raise your homeowners insurance premiums, lead to coverage exclusions, or even result in denied coverage because many insurers deem them high-risk due to liability from potential dog bites, though some states ban breed discrimination and factors like training can help. Insurers often categorize pit bulls as a "dangerous" breed, increasing liability costs, but you might find options with companies like State Farm, or through specialized insurance or umbrella policies, especially if the dog is trained and neutered.

Can homeowners insurance drop you for having a pitbull?

Pit Bulls Can Lead to Denied Coverage

Often, homeowners insurance does not cover pit bulls. Regardless of whether a pit bull may affect your home insurance, you should let your insurer know you have a dog to ensure you have coverage if a claim is made against you.

Do pit bulls make your insurance go up?

Here's what owning a pit bull might mean for your coverage: You could face increased premiums, specific breed exclusions in your policy, or even denied coverage altogether. Some insurers might require additional umbrella coverage before they'll work with you.

What homeowners insurance accepts 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 dog breeds increase home insurance?

The dog breeds that most often cause an increase in your home insurance premium include:

• Akita.
• Alaskan Malamute.
• American Pit Bull Terrier.
• Chow Chow.
• Cane Corso.
• Doberman Pinscher.
• German Shepherd.
• Great Dane.

Pets can affect homeowners insurance

Do I have to tell my homeowners insurance that 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'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.

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. 

Does State Farm insure homes with pit bulls?

Dog bites and insurance. State Farm does not ask what breed of dog is owned when writing Homeowners or renters insurance.

What are the cons of owning a pitbull?

Top 5 Cons of Owning a Pitbull

• Breed-Specific Legislation. Unfortunately, Pitbulls are subject to breed-specific legislation (BSL) in some areas. ...
• Potential Aggression. ...
• Need for Strong Leadership. ...
• Prone to Health Issues. ...
• Stigma Surrounding the Breed.

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 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.

What dogs do home insurances not cover?

Dog breeds often banned by homeowner insurance companies

• Pit Bull. Pit Bulls have long been a controversial breed due to their reputation and not the individual dog themself. ...
• German Shepherd. ...
• Great Dane. ...
• Siberian Husky. ...
• Staffordshire Terrier. ...
• Rottweiler. ...
• Doberman Pinscher. ...
• Chow Chow.

What dogs make your homeowners insurance go up?

What Dog Breeds Affect Homeowners Insurance?

• Pit Bulls.
• Rottweilers.
• Doberman Pinschers.
• German Shepherds.
• Akitas.
• Chows.
• Presa Canarios.
• Great Danes.

How much is a pitbull monthly?

$150–$400 per month

The monthly cost of owning a Pitbull will vary from owner to owner and greatly depend on your dog's needs and preferences. There are many ways to save money and reduce costs, but assessing these costs and how they align with your budget before committing to a Pitbull puppy is important.

Do you have to list dogs on homeowners insurance?

Summary. Insurance companies base homeowners insurance premiums on risk, and pets— including many larger breeds of dogs—pose a potential bite risk. This is why you should declare any pets you have to your insurance company.

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.

Will homeowners insurance drop you if you have a pitbull?

Certain companies won't sell you coverage if you report owning a pit bull. In some cases, insurers will sell you a policy but refuse to cover claims involving your dog. Others may be willing to insure homes with pit bulls but at a higher cost.

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.

What are three things that are not covered by homeowners insurance?

Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear. Learn about all the different home insurance exclusions and how to get covered.

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