Yes, State Farm generally allows homeowners insurance if you have a pit bull. They do not have breed-specific restrictions and instead evaluate risk based on a dog's individual bite history, not its breed. As a result, they are often considered a pet-friendly option for owners of breeds frequently restricted by other insurers.

Can you get homeowners insurance if you have a pitbull?

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.

Does State Farm homeowners allow 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.

Does State Farm have dog breed restrictions?

Does State Farm Exclude Dog Breeds from Coverage? Some insurance companies will exclude specific dog breeds, but State Farm does not.

What insurance companies insure 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.

Does State Farm Insurance allow pit bulls?

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 are not allowed for homeowners insurance?

Some homeowners insurance policies generally do not allow the following breeds:

• Akitas.
• Mastiffs.
• Chow Chows.
• Rottweilers.
• Great Danes.
• German Shepherds.
• Doberman Pinschers.
• Staffordshire Terriers and others in this family (classified as pit bulls)

Is State Farm dog friendly?

Pet insurance for furry family members. We treat our pets like family, so we want them to get quality medical care when they are sick or injured. Trupanion® helps provide cats and dogs coverage and protection.

Which states do not allow pitbulls?

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.

Which states allow pit bulls?

Many states allow pit bulls, with some, like Alabama, Arizona, Maine, and Texas, often cited as very friendly, while others, such as California, Florida, and New York, have state laws preventing local breed bans but may have city restrictions. Key states where local breed-specific laws (BSLs) are prohibited include Colorado, Illinois, Massachusetts, and Pennsylvania, making them generally pit bull-friendly at the state level, though individual cities can still try to enforce rules.

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.

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.

Does state farm home insurance allow pitbulls?

They don't ban breeds. And I kept them as a homeowner with no issues. State farm does not discriminate against breeds. You should be good!

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.

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 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.

Does homeowners insurance cover pitbull attacks?

Dog bite liability and homeowners insurance

Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls. Others decide on a case-by-case basis, depending on whether an individual dog, regardless of its breed has been deemed vicious.

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. 

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