Does having a pit bull raise your insurance?

Asked by: Caleigh Stroman  |  Last update: February 11, 2022
Score: 4.8/5 (14 votes)

Owning a pit bull can raise your rates, because home insurance providers view your pet as a liability risk. While all dog breeds can bite under the right circumstances, larger breeds have the physical capacity to cause more damage. That makes them a bigger liability to insurance companies.

How much does a pitbull add to insurance?

The increase is highly dependent on the insurance company that you select and your pit bull's past history. Rates nationwide increased about 1% on average if a policyholder had an "aggressive" breed of dog, according to a ValuePenguin study.

Are pitbulls more expensive to insure?

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.

Will homeowners insurance drop you if you have a pitbull?

But your homeowners insurance company may be tougher to convince. Pit bulls are frequently a blacklisted breed that insurers deem too dangerous to cover or will insure only at an increased price. Other commonly blacklisted breeds include Akitas, German shepherds, Rottweilers, and wolves or wolf hybrids.

What dogs increase 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.

What you Need to Know about Pit Bulls

37 related questions found

Do I have to add my dog to my homeowners insurance?

Just like with the rest of the people in your family, it's necessary to have your dog on your policy. While it may increase your premium because dogs can pose a liability risk for things like dog bites, your homeowners insurance will likely cover dog-related incidents.

Does Geico allow pit bulls?

Allstate, Amica, Farmers, Geico, Progressive, and State Farm do not have any specific breed restrictions. However, they may not cover you if your dog has a history of aggression.

What dog breeds are not covered by homeowners insurance?

The dog breeds that are most commonly excluded from a homeowners insurance policy include:
  • Rottweiler.
  • Pit Bull.
  • Staffordshire Terrier.
  • Doberman Pinscher.
  • Akita.
  • Alaskan Malamute.
  • Siberian Husky.
  • Wolf breeds.

Can homeowners insurance discriminate against dog breeds?

Not all insurers restrict coverage based on dog ownership or discriminate between dog breeds. One solution to homeowner insurance coverage problems arising from dog breed restrictions may simply involve finding an insurer that doesn't restrict coverage on account of your best friend's breed.

Does Allstate have breed restrictions?

Allstate. Allstate has a “no policy” list that is extensive. It will not provide homeowners coverage to households that include any of the above dog breeds.

Can you own a pitbull in Florida?

While Florida does not ban pit bulls or any specific breed at the State level, this does not mean that a local ordinance may possibly ban certain dogs or have additional restrictions.

Does USAA cover dog bites?

If your pet bites your neighbor, USAA Renters Insurance includes medical expenses and liability protection, so true accidents like these can get solved quickly and affordably, keeping your finances safe and goals for the future on track.

Do you have to carry insurance on a pitbull in Ohio?

Under Ohio Sub. HB 14 — effective May 22 — pit bulls will no longer be considered vicious dogs solely on their breed and the law eliminates the mandatory liability insurance requirement for dog owners.

Does Farmers Insurance have dog breed restrictions?

Farmers Insurance changes dog bite liability insurance coverage to target certain dog breeds. ... Breed bans are illegal in California and this is seen as an insurance company tactic to keep dog owners away from those three breeds.

Do you get a discount for installing a home security system?

Installing a security system can qualify you for a home insurance discount, but the amount you save varies by home insurance company and type of system you install. You can generally save between 2 and 15 percent on a homeowners insurance policy if you install a home security system.

How much does a XXL pitbull cost?

On average, an American Bully XL will cost anywhere between $2,500 to $5,000. But, there's no doubt that there are significant price fluctuations and variations within this breed.

How much is a all black pitbull?

An inexpensive Black Pitbull dog sold by a breeder can cost anywhere between $800 and $1000 dollars. Black Pitbulls from pedigreed bloodlines, with the best traits, will come with price tags ranging from $2000 to $20,000 dollars!

What are Merle pitbulls?

Merle pit bulls are simply pit bulls who display the merle color mutation. The merle color pattern varies greatly, but it typically causes dogs to have patches and swirls of both full and diluted colors. Unfortunately, the merle gene can also cause other changes in a dog's appearance and health.

What dog breeds should I avoid?

Here are 12 breeds you think you might want but should probably avoid – unless you're truly prepared.
  • #1 – Border Collie. ...
  • #2 – Belgian Malinois. ...
  • #3 – Dutch Shepherd. ...
  • #4 – Patterdale Terrier. ...
  • #5 – Siberian Husky. ...
  • #6 – Australian Cattle Dog. ...
  • #7 – Dalmatian. ...
  • #8 – Akita.

What dog is most likely to turn on its owner?

Pit Bull Terriers

Probably the most notorious breed on this list, the pit bull has a reputation for unpredictability and aggression, even against its owner or his family. State and local governments have been vigorous at restricting ownership of this dog with breed-specific legislation.

What dog breed is illegal in all 50 states?

The wolf dog, previously known as a wolf hybrid, is routinely blacklisted by insurance companies. Plus, it's also banned outright by cities across the United States.

Does homeowner 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.

How much is dog insurance monthly?

Average pet insurance costs. How much you pay for pet insurance varies greatly. Monthly premiums can range from as low as $10 to higher than $100, though most pet owners can expect to pay between $30 and $50 per month for a plan with decent coverage.

Are boxers considered aggressive breeds?

The Boxer originated in Germany. These dogs are very strong and agile and can weigh between 50–70 lbs. Their energetic and playful behavior gives them a label of being headstrong and difficult to train. Though they are highly energetic, they are not aggressive or violent by nature.