Homeowners Insurance: Pit Bull Coverage FAQs & Where to Get It

Some insurance companies are no longer offering pit bull home insurance coverage, but that doesn’t mean you can’t find homeowners insurance anywhere if you own a pit bull. We have the list of homeowners insurance companies that allows pit bulls, including Allstate, American Family Insurance, Farmers Insurance, GEICO, Progressive, State Farm, and USAA. Below, we outline what type of coverage you should get to protect yourself in case your dog injures someone and information about available policies. By the end, you’ll be equipped to take your choice of homeowners insurance policies that cover pit bulls.

Homeowners Insurance: Pit Bull Coverage FAQs

Most homeowners insurance policies offer a number of add-ons, including personal liability coverage. This type of coverage can protect you in instances of bodily injury to others, as well as damage to others’ properties. For instance, if your dog bites someone, personal liability insurance will take care of any associated medical bills. Personal liability insurance is recommended for anyone who owns a dog, regardless of the breed. Unfortunately, getting this type of coverage can be more difficult for owners of certain breeds, including pit bulls, because some insurance companies have put specific dog types on their “blacklists.” Liberty Mutual, for example, will not cover owners of pit bulls or pit bull mixes.
In a few cases, an insurance company will cover you against personal liability but not any expenses related to your dog. In this case, you would need to buy a separate policy known as canine liability. These can be purchased through providers like Dean Insurance Agency or the Einhorn Insurance Agency.

The List of Companies With Homeowners Insurance That Allows Pit Bulls

We called several different insurance providers to find out more about their homeowners insurance policies regarding pit bulls. The following is the list of companies with homeowners insurance that allows pit bulls. All of the customer service representatives we spoke to said that in terms of getting coverage, it doesn’t matter what breed your dog is. And, none of the companies listed below require proof of your dog’s behavioral history either. When asked if insurance premiums are higher for pit bull owners, most companies responded with something along the lines of “rates may be higher depending on what area you live in; there are many factors that go into determining the price of each individual’s homeowners insurance.” If you’re interested in any of the following companies, you’ll want to contact them directly to find out specifics.

Allstate

  • Allstate will cover any dog that has no history of bites or aggression. If your dog has incidents in its past that Allstate finds out about, coverage will be denied.
  • Source: Customer service

American Family Insurance

  • American Family Insurance will cover pit bull breeds as long as there is no prior history of aggression or bites. Restrictions include: Your dog cannot be allowed loose in the yard; the dog must either be leashed or fenced in. If your dog were to injure someone as a result of being loose, American Family Insurance may not support your claim.
  • Source: Customer service

Farmers Insurance

  • Farmers Insurance will cover pit bull owners as long as the dog has no history of bites or aggression. If there is a history, you may still be eligible for coverage — but not your dog.
  • Source: Customer service

GEICO

  • GEICO works with a number of underwriters, so customer service representatives said they would find an underwriter willing to offer homeowners insurance to pit bull owners, as long as the dog does not have a history of aggression. If your dog has ever bitten someone, you will be turned down for coverage.
  • Source: Customer service

Progressive

  • Rather than traditional home insurance (referred to as HR3 by insurance agents), Progressive offers “dwelling and fire” coverage through American Modern to homeowners with pit bulls, as long as the dog has never been aggressive. If your dog has a history of aggression, then the underwriter may decide to exclude the dog from coverage or increase the price of your policy.
  • Source: Customer service

State Farm

  • State Farm will ask about your dog and its history of bites and aggression. If your dog has a history of these things, your rate will likely be higher. If you are dishonest about your dog’s history and State Farm is able to determine that you have lied, you may be denied coverage.
  • Source: Customer service

USAA

USAA only serves those with some sort of military affiliation, such as veterans or military spouses.

  • USAA will only cover pets that have no history of bites or aggression. If your dog has bitten someone in the past, USAA will still offer to cover you — but not your dog.
  • Source: Customer service

Insurance Companies That Do Not Allow Pit Bulls

Our search turned up a few companies that do not offer home insurance policies to pit bull owners, including:
  • Esurance
  • Liberty Mutual
  • Nationwide (Note: Nationwide may offer coverage to pit bull owners depending on the underwriter; however, if you own a pit bull breed, coverage would not extend to any incidents involving your dog.)

In Summary

As a dog owner, an important add-on to your homeowners insurance policy is personal liability coverage. Currently, Allstate, American Family Insurance, Farmers Insurance, GEICO, Progressive, State Farm, and USAA offer homeowners insurance that allows pit bulls. Most require that the dog has no history of aggression. If your dog has a history of aggression, you may still be covered against personal liability — but not your dog. In this scenario, you’ll want to look into canine liability coverage.

According to Business Insider, dog owners spend $139.80 per month on their wet-nosed companions. Wondering how you can save on all of Fido’s needs? Check out our article on Petco’s coupon policy.

You won't be redirected away from this page.

Leave a Comment