An Insider’s Guide to Homeowner Insurance and Pit Bull Owners

September 21 15:18 2022

If one has a pit bull, one might be liable for the damage it causes, as it may bite someone or dig a hole in someone’s yard. One should have an insurance policy if they own a large dog, as it provides excellent coverage against these situations. Some insurers might deny insurance coverage to pit bull owners but others might offer coverage with specific restrictions. The liability portion of a renters or homeowners policy covers such claims, as we know that dogs can cause expensive problems.

In many cases, one might add animal liability coverage as an endorsement. Keep in mind that certain companies might not sell the coverage options, especially if they are having a pit bull. The majority of insurance companies exclude pit bulls from coverage for legal and medical expenses because when their dog attacks someone, it may not be covered. In case their dog is aggressive, they may want to consider maximizing their liability protection with an umbrella policy.

Why do some insurance companies ban pit bulls?

If one has a pit bull, one might be able to get homeowner insurance, but it depends on what kind of insurance company one select. Insurance companies are not uncommon to deny coverage to pit bulls and other kinds of breeds because they deem them dangerous.

Sara Routhier, Director of Outreach at, list two main benefits if their insurer agrees to cover their pit bull:

  • In the event that their pit bull bites someone or damages someone’s property. Should they not agree on the compensation, their liability coverage might help them to pay for legal fees.
  • Liability coverage means they can pay for some medical expenses like an ambulance ride, first aid, and x-rays.

If one is planning to get homeowners insurance for a pit bull, one will need to check the policy for any caveats. In some cases, insurance carriers will insure their pit bull after it has undergone a specific amount of training. If one chooses the appropriate insurance company then they can also get some additional coverage for their pit bull like personal umbrella insurance and pet liability insurance. Suppose their insurance company might exclude pit bulls then they might buy a pet liability insurance policy because it is offering coverage to all breeds of dogs.

The homeowner insurance might provide this coverage as an endorsement or they can also sell it as the standalone policy. Alternatively, if their insurance company does not provide pet liability coverage, they can purchase it from a specialized insurer. If their insurance might cover their pit bull, they can consider maximizing liability coverage along with umbrella insurance. According to the study, umbrella insurance is offering massive numbers of benefits to pit bull owners.

Why does One need homeowners insurance for a pit bull?

Having a pit bull might not be covered by their regular home insurance if they are a new homeowner. Pit bulls are considered to be dangerous dogs. In case they are looking to get homeowner insurance with dogs, they might get it under specific conditions like:

  • Some companies might accept certified and trained service dogs
  • They look at the history of dog
  • Neutering or spaying their pit bull is a must
  • Type of pit bulls that have lower chances of attacking someone
  • Responsible pet ownership

The umbrella insurance policy covers any injury damage, lawsuits, and property damage not covered by homeowner’s insurance. One can also get canine liability insurance because it is specially designed for dogs that might cause damage. One can choose the right insurance coverage option if they have a specific type of certification for pit bulls.It may be illegal for their insurance provider to reject their claim if they fail to notify them that they have a dangerous breed or a pit bull.

If one has a home insurance plan and recently got a pitbull, then they must check out whether their insurance policy has any breed exclusions.ime, one must verify that dog bites could be covered on and off their property. There may be policies that cover dog bites that occur while on trips or walks outside their apartment or house.

What does homeowners insurance for a pit bull cover?

In some states, the insurance company might be prohibited legally from canceling their coverage based on a dangerous dog breed. According to the research, pit bulls are the most frequently rejected dog breed by insurance companies. Thankfully, some homeowner and renter insurance companies don’t blacklist pit bulls, but they look at their dog’s past behavior to calculate insurance risk. If they have a pit bull, they can be sure that their insurance rates will be increased. This is depending on the insurance company that one chooses and the history of their dog. Pit bulls have a reputation for being too aggressive, so they may be regarded as posing a heightened liability risk because of their reputation.


When one is looking for insurance coverage options for homeowners with pit bulls, one may consider other policies, like umbrella policies and dog liability insurance. It provides policyholders with excellent coverage for all kinds of dog breeds. Pit bull insurance can be a stand-alone and reliable policy. This kind of policy could be purchased through small insurance companies. If they own a pit bull, they already know how energetic and sweet they can be. They’re also very loyal and protective of both their family and their property. But because of the breed’s aggressive nature, they’re also commonly thought of as a dangerous breed. If they’re worried about liability, one may want to consider pit bull liability coverage.

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