Does progressive discriminate against pit bulls?

Asked by: Mrs. Erica Turcotte  |  Last update: July 1, 2023
Score: 5/5 (37 votes)

Progressive's home insurance may cover your pitbull, but it depends on where you live and your dog's history. While you hope it never happens, even dogs with the gentlest demeanors may bite someone if provoked. If your dog ends up biting or injuring someone, you are legally liable.

Does your homeowners insurance go up if you have a pitbull?

According to HomeInsurance.org, “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.” Forbes.com adds Chows, Great Danes, Presa Canarios, and Alaskan Malamutes to their list.

Will insurance companies insure pitbulls?

Pit bulls are a breed that insurers often deem too dangerous to cover or will insure only at an increased price. Other commonly excluded breeds include Akitas, German shepherds, Rottweilers, Doberman pinschers and wolves or wolf hybrids.

Why do insurance companies not cover pitbulls?

However, large dog breeds, which home insurance providers consider pit bulls to be, are capable of causing more damage than their smaller kin. As such, home insurance companies often raise rates for homes with a pit bull in them. In some cases, they may completely deny coverage if you have a pit bull.

Can homeowners insurance discriminate against dog breeds?

Is it legal for my insurance company to deny, cancel, or increase my premium because of the type of dog I own? Yes. The law does not prohibit insurance companies from discrimination based on breed.

why I no longer support pit bull ownership

44 related questions found

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.

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.

How much is liability insurance for a pitbull?

Canine liability insurance is often available through smaller carriers. Costs depend on your dog's breed and history, and costs can range from under $100 per year to $1,000 per year. Two pet liability carriers that do not exclude pit bulls are Einhorn Insurance and Dean Insurance.

How much is insurance for a pitbull?

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.

Does USAA have dog breed restrictions?

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.

What does restricted dog breed mean?

Restricted breeds are typically dogs that are considered to be dangerous by the wider public. These dogs are larger and can cause significant injury during an attack, more so than a smaller breed.

Does having a dog raise homeowners insurance?

Owning a specific breed can raise your homeowners insurance premium. Because certain dog breeds are known to bite and create other liabilities, there's a greater chance that you would need to file an insurance claim. Your insurance company raises your rate to compensate for that potential claim and payout.

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.

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.

Are certain dog breeds more aggressive?

It makes no difference which breed the dog is or whether it's a big dog or a small dog. Even dogs that are normally very friendly can be prone to biting people under certain circumstances, such as if they're feeling threatened, sick, or taking care of puppies.

Why are German shepherds on the restricted breed list?

Different jurisdictions have different definitions. German Shepherds are often targeted by these laws because they're commonly used as protection or in military/law enforcement work. In my opinion, this gives many breeds the undeserved reputation of being automatically labeled as aggressive.

Does pet insurance Cover aggressive dogs?

Most insurance companies limit dog bite insurance coverage, restrict certain breeds from coverage, or exclude animal liability coverage altogether. Whether your dog has a bite history or is a breed commonly excluded from homeowners coverage, Prime Insurance Company will provide you with the coverage you need.

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.

Does Travelers insurance have dog breed restrictions?

Travelers homeowners insurance underwriting guidelines state that a number of dog breeds — as well as any animal that is “vicious or has previously bitten or injured” — are restricted from coverage. These breeds include pit bulls, akitas, American Staffordshire terriers, bullmastiffs and Staffordshire bull terriers.

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.

Can you have a pitbull in Tennessee?

TN - Selmer - Breed - Chapter 3. Pit Bulls. In Selmer, Tennessee, it is unlawful to keep, harbor, own, exercise control over, maintain, transport, sell, or possess a pit bull dog.

What two breeds 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.

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.

What is the closest breed to a pitbull?

The 12 Dogs That Look Like Pitbulls
  • American Bulldog.
  • Bull Terrier.
  • Cane Corso.
  • Boxer.
  • Staffordshire Bull Terrier.
  • Dogo Argentino.
  • Bullmastiff.
  • Alapaha Blue Blood Bulldog.