Having a dog means that you need to pay for all the damages your dog causes. Getting insurance makes the payment process less stressful on your pocket, but owning a Pitbull or most aggressive dog breeds means that getting homeowners or renters insurance will be a hassle. Understanding the concept of pitbull insurance makes the process of getting insurance easier.
While getting home insurance that includes your pitbull is difficult because they are high risk, it is not unattainable. It can be mildly compared with getting car insurance for your teenage son; because of their unpredictability getting a good plan that includes them will be costly. There are a few companies that offer pitbull home insurance at high rates while excluding the expensive costs. Moving Forward, we shall discuss pit bull home insurance in a nutshell, how to get it, and companies that offer liability insurances.
- 1 Pitbull Home Insurance
- 2 Ways to Get Your Pit Insured
- 3 Pitbull Home Insurance Companies
- 4 Substitutes For Pitbull Insurance
Pitbull Home Insurance
Most insurance policies have a liability portion that offers protection against injuries and damages that your pet causes. Still, these companies have different rules when it comes to your pitbull. Some insurance companies specifically exclude breeds like Pit Bulls that are in their blacklist, while some others just apply different rules to Pits. A few of the most commonly blacklisted dogs are:
- Staffordshire Terriers
- Perro de Presa Canario
- Doberman Pinschers
- Alaskan Malamute
- Chow Chows
- German Shepherds
- Great Danes
- Siberian Huskies
Except for pit bulls, most of these dog breeds were blacklisted because of one or two-bite cases. However, pit bulls are regarded as the 2nd most commonly reported breeds for bite incidents after rottweilers. While your dog may not be like other pit bulls, being insured saves you in case its deadly biting instincts are activated.
Some insurance providers like Esurance do not cover all and any liability involving pit bulls. Most people may believe that hiding the pitbull will be helpful. Hiding your pit bull would not work because the insurance company can legally deny any claim you make even if it isn’t a liability claim once they find out you own a Pit.
Also, if you already have a home insurance policy and recently got a pitbull, you will need to confirm if your agency has breed exclusions. And, you need to verify if they cover on and off property dog bite accidents because some policies do not cover bites during walks.
How Much Does Pitbull Home Insurance cost?
Every dog is prone to biting, and their biting habits, when done on the wrong object, leads to costly problems. The amount for payouts from bites and physical injuries could be as much as 33,000 USD.
Although some agencies accept that all breeds pose the same risk-based on their likelihood to bite, others have a blacklist. This blacklist includes pit bulls, which make insurance costs higher when they are in the picture because of higher risk. Insurance companies have all the rights to make inclusion and exclusion rules, so it is necessary to understand what works for you.
How Companies Control Pitbull Home Insurance
Except your state forbids blacklisting specific dog breeds, you need to be sure that your insurance company includes your dog under liability and to what extent they control it. The most common methods that insurance agencies use to control liability insurance are:
- They do not offer you coverage once your pitbull ownership is reported
- Although they provide you insurance, they have very strict inclusions and limited exclusions. You will often come to notice that they do not cover most of the more expensive liabilities
- Other companies offer full insurance policies with costly premiums
States Where Pit Bull Insurance is Legal
Most pitbull owners advocate for the individuality of their dogs as opposed to the generalization of a breed. The case is the same in some states. While it is within an insurance company’s rights to ban specific breeds, the state’s law can make such bans null. Some states where these bans are effective include:
- Pennsylvania – where breed restrictions are forbidden in homeowner insurance expressly.
- Michigan – where the state office of Financial and Insurance services interpreted state laws for home insurance to prevent breed based restrictions or denial
- Massachusetts prohibits breed bans
- New York proposed homeowners insurance underwriting guidelines
Renters Pit Bull Insurance
As a renter, you have pet restrictions not only from the insurance company but the landlord also. Renter insurance has very similar policies to homeowner’s insurance, and any agency can deny you coverage due to your ownership of a blacklisted breed.
Also, your landlord may ban pit bulls from their property because pet ownership is a typical landlord-tenant struggle. Which means that despite having excellent coverage, some factors are plainly beyond you.
Ways to Get Your Pit Insured
The topic of Pitbull home insurance is a sensitive one, and convincing someone that your dog is good is hard. So, you will need to find ways to get an agency to believe you are worth the risk. In this portion of the article, we will share some ways to get your pit insured.
Check The Fine Print
Before you purchase or change insurance, you need to read the inclusions and exclusions. Find out if the policy includes or dog breeds and how much they cover. Do they cover injuries due to physical dog attacks like dog bites?
Don’t Limit Your Options When Shopping
Most insurance companies deny you coverage once they notice that you own a pitbull because they are deemed as high-risk breeds. While shopping, check for companies that offer insurance for blacklisted breeds.
Forums offer good recommendations in cases where manual shopping fails. A great option is to get an insurance agent or a person who owns the same dog breed as you do.
Neuter or Spay Your Pit
Dogs tend to be more aggressive when they are complete, which means that solid proof that your dog is neutered shows the insurer that it has reduced aggressive tendencies.
However, not all owners are open to the idea of spaying or neutering. Some studies suggest that early neutering increases the risk of aggression.
Train Your Dog
Pitbulls are naturally stubborn, but early training can reduce those tendencies. American Kennel Club offers a Canine Good Citizen program for dogs where they train dogs. With their certificate, you can either get a cheaper insurance or personal liability insurance.
Pitbull Home Insurance Companies
Whether or not the ways to get insured seemed fitting for your dog’s profile, knowledge of companies that are pit-friendly is a Godsend in insurance Shopping. Some of these companies or agencies listed out offer both homeowners and renters insurance for your pit, while some others simply cover liability. Here are some pitbull home insurance companies that you can put against each other when making comparisons for your pest insurance provider.
United Services Automobile Association (USAA)
The United Services Automobile Association (USAA) restricts its policies to United States military members and their families, but it is the best policy for owners of Pitbull owners. If your pitbull has a clean, biting record, then you do not need to worry because they provide coverage based on a dog’s biting history. They provide home and renters insurance and do not discriminate between breeds.
If you have earned a Canine Good Citizen (CGC) certificate, Nationwide offers homeowners and renters insurance to you. The American Kennel Club runs the Canine Good Citizen program and awards the certificate to dogs that meet their set behavioral standards like being friendly to strangers.
For State Farm, they don’t have rules that impact every dog from a specific breed, and instead, they make exclusions based on biting history. So provided your dog has never bitten anyone in its past, State Farm will offer you access to renters and homeowners insurance policies.
InsureMyK9 believes that every dog is prone to accidental or unintentional aggression regardless of the breed, so they offer pet liability insurance. It is not a form of home insurance but strictly a pet liability insurance. So, it would not come with the same inclusions as home insurance, but it takes care of property damage, medical expenses from accidents and injuries, and lawsuits.
When your Pitbull causes harm to someone, they can settle up to 30,000 USD payouts per claim; that way, you can avoid or reduce out of pocket expenses. Based on the situation, they may cover a dog with a biting or aggressive history.
Evolution Insurance Brokers
Evolution Insurance Brokers covers the dog breeds that are usually exempted from Pitbulls—like Akitas, Dobermans, Rottweilers, Chows, Presa Canarios—in home insurance. Evolution provides coverage for risks like lawsuits and injuries because they believe a dog is a family member also.
Apart from dog insurance, they have other variety of insurance options.
The Federation of Insured Dog Owners (F.I.D.O)
The Federation of Insured Dog Owners was explicitly launched to offer canine liability insurance for all dog breeds through its partner Deans Insurance, not excluding your pit. F.I.D.O is available in all states except Alaska, and because they are an independent company, they do not offer deductibles. So, it is affordable.
Their insurance can be increased as renters or home insurance. Provided a bite is reported within ten days; they cover dog bites. A unique part of this insurance company is that they offer education to promote responsible pet ownership for canine and human safety.
Lester Kalmanson Agency
Lester Kalmanson Agency is another insurance company that covers all breeds of dogs, not excluding your pit. They also offer liability insurance to renters, landlords, homeowners, and commercially-owned dogs with Pitbulls as their top priority.
Lester Kalmanson agency’s specialty is in covering unusual risks, so they include exotic animals like lions and tigers, along with all dog breeds. Even if your pitbull has a history of aggression, they still insure it. Plus, they offer both liability, mortality, and even transportation insurance if you and your dog travel a lot.
Einhorn Insurance Agency
They are pitbull owners that promise not to discriminate against any dog breed in their insurance policy, so they give fair treatments to pits. Einhorn insurance agency covers injuries your dog can cause due to overexcitement, and their coverage also includes rescue dogs.
Although they do not have renters insurance, they have liability insurance for landlords and would pay as much as 40,000 USD per claim.
Substitutes For Pitbull Insurance
Most homeowners and renters insurance does not offer Pitbull coverage, and some insurances specifically offer only pitbull liability. An alternative to pitbull insurance and non-pitbull inclusive homeowners and renters insurance is umbrella insurance.
Umbrella insurance is liability insurance that offers potential primary coverage for any loss that your regular policy doesn’t cover. It is a contingency plan for all additional liability insurance coverage beyond the insured’s limit. It has a security or cushioning effect for those who are at a higher risk of being sued.
Sometimes, umbrella insurance is known as excess liability insurance. It is a supplement policy for your regular homeowner’s insurance. The best part is that even if your current plan includes pit bull umbrella policy, it will cover any additional cost, and the premium is about 100 USD to 300 USD annually.
How Does Umbrella Insurance Work?
Having the added policy coverage that umbrella insurance offers is more useful when you run a large company of many assets. This is because of the higher risk of being sued, although small businesses use it to avoid losses during claims.
For your dog, umbrella insurance will cover the additional ability avoided by your home insurance provider. It is always best to get your umbrella insurance from the same insurer you got your home insurance. Your umbrella insurance should have a base coverage of 250,000 USD to 300,000 USD depending on the insurer.
The fact that you are in search of insurance for anything means it has the potential to drill a hole in your pocket. Before you commit to any insurance company, always confirm that they cover your pit-bull because you do not want to have to go to jail over something you cannot even control.
The safest option for someone who is yet to get a dog is to look away from the high-risks and get something your insurance company will not have disputes about covering. But, if you have a pitbull already, go to every length to get it insured.