Do pit bulls need insurance?

Asked by: Walter Sipes IV  |  Last update: March 1, 2023
Score: 4.3/5 (61 votes)

Your pit bull can be included under your home insurance liability coverage, but that could change if your dog misbehaves in the future. USAA: It covers your pit bull if the dog has a history of good behavior.

Do pit bulls raise homeowners insurance?

According to, “Dog breeds that are typically associated with higher insurance premiums include Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, and wolf-dog hybrids.” adds Chows, Great Danes, Presa Canarios, and Alaskan Malamutes to their list.

Do you need insurance on a pitbull?

For most dog owners, a homeowners or renters insurance policy provides coverage against these actions. However, some insurers deny coverage specifically to pit bull owners, while those that do provide coverage often set up restrictions.

How much does Pitbull insurance cost?

Generally speaking, you can expect to pay between $37 to $50 per month for basic health insurance for your pit bull based on information collected from two pet insurance providers. Adding extras like wellness plans or preventative care can also add to your pit bull insurance cost.

What breed of dogs are not covered by homeowners insurance?

The most common types of dog breeds that are not allowed on most homeowners insurance include Rottweilers, Pit Bulls, Akitas, Siberian Huskies, Mastiffs, and more. Insurance companies do not want to risk insuring these breeds as they tend to be aggressive, which would result in more expenses for the company.

Pitbull Caused Insurance Company to Cancel Couple’s Policy

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What can I pass my pitbull off as?

10 Dog Breeds Most Commonly Mistaken for Pit Bulls
  • 10 Dogs People Mistake for Pit Bulls. There is so much controversy these days about pit bulls. ...
  • The American Bulldog. ...
  • The Presa Canario. ...
  • The Cane Corso. ...
  • The Bull Terrier. ...
  • The Boxer. ...
  • The Dogo Argentino. ...
  • The Staffordshire Bull Terrier.

Can homeowners insurance drop you because of a dog?

Can Homeowners Insurance Drop You Because Of A Dog? It's unlikely that your homeowners insurance will drop you because of a dog. However, if your dog falls under the provider's “breed list” that determines which breeds they will or will not cover, you may be required to pay a higher insurance premium.

How do I insure my pitbull?

If your current home or renters insurer won't allow pit bulls, consider looking for coverage elsewhere. Some insurers, such as State Farm, USAA and NJM, will make coverage decisions based on a dog's individual behavior rather than its breed.

Is pet insurance more expensive for pitbulls?

Pet insurance may cost more or less depending on where you live, your dog's age, and what policy parameters you choose. Policies for Pit Bulls can cost more than those for mixed breed dogs because they are much more likely than mixed breed dogs to make claims for hereditary conditions that are expensive to treat.

Does pet insurance cover dog bites?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Does Geico cover pitbulls?

Breeds typically given this designation include: Pit Bulls or Staffordshire Terriers; Rottweilers; Doberman Pinschers; German Shepherds; Great Danes; Akitas; Chows; and Presa Canarios. So long as your dog is approved, under personal liability coverage, you will be protected if your dog bites someone.

Why do home insurance companies ask if you have a dog?

Your policy's liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.

Does Mercury Insurance Cover pitbulls?

Mercury Insurance steers clear of pit bulls, Presa Canarios and sometimes Rottweilers. Auto Club of Southern California adds a few exotic breeds to its blacklist, including the Karelian Bear Dog, Rhodesian Ridgeback and the Russo-European Laika.

Does nationwide allow pit bulls?

Nationwide is one of those insurers which will accept your pit bull under their insurance plan under certain conditions. They expect your dog to have a Canine Good Citizen Certification from the American Kennel Club that we mentioned previously, which includes teaching for the dog and the owner.

How Much Is pet insurance a month?

They all varied in price and coverage. For example, for basic coverage ($5,000 annual coverage, $500 annual deductible and 80 per cent reimbursement), prices varied from $70 – $105 a month.

Are Pitbull a good pet?

They have big personalities and are very loving, loyal, easy to care for, hilarious, trainable, and more. They truly encompass everything a great dog should be! Pitbulls are extremely affectionate, loving, and devoted animals. Their zest for life is truly infectious.

How much does pet insurance cost per year?

The cost of pet insurance plans can vary depending on a range of factors. On average, fees for an annual insurance plan will be $293 for a dog, and $246 for a cat, but they can be significantly more4. Your premium payments will usually be fortnightly or monthly—making the overall cost easier to manage.

Can you insure an aggressive dog?

If you have a dog on the IED, you must insure it for public liability. However, most pet insurance policies won't cover dogs that are listed under the Dangerous Dogs Act, so you'll have to look for a specialist policy.

Should I tell my insurance I have a dog?

Yes, you should tell your homeowner's insurance company if you have a dog. Homeowners insurance for dog owners will indemnify you against claims for damages as a result of your negligence, including dog bites and property damage.

Do I need to tell insurance about dog?

Do I need to tell my insurer my dog's breed? Yes. In fact, if you fail to disclose your dog's breed when buying a policy, it could lead to your home insurance company not covering related claims.

Is my dog covered on house insurance?

Your homeowners insurance policy will cover your pets from a liability standpoint, including if they cause bodily injury or property damage to a third party.

What two dogs make a pitbull?

A pit bull is a fighting dog developed in 19th-century England, Scotland, and Ireland from bulldog and terrier ancestry for hunting, specifically for capturing and restraining semi-feral livestock. It is also called an American pit bull terrier.

Are pitbulls good for first time owners?

I don't recommend them for first-time dog owners. They are strong dogs, some of them have a history of dog fighting, and their tenacity is endless. But they are also extremely loving and excellent companions. In my opinion, Pit Bulls are the best dogs ever (although, I do love them all).

What dog can win against a pitbull?

In the height and weight class, the Rottweiler outranks the pit bull. Rottweilers are also intelligent, and despite having Mastiff roots, possess great agility. In a fight against the pit bull, the Rottweiler would win due to its height, weight class, PSI, intelligence and agility.

Does USAA homeowners insurance allow pit bulls?

Pit Bull-Friendly Insurance Options

14. USAA: USAA doesn't have dog breed restrictions, preferring to ask instead about any previous aggressive behavior the dog has displayed or bites to people and other animals.