Insurance for Pit Bulls, Chow Chows, Rottweilers, German Shepards, Akitas, or many more classified dangerous mix breeds.
Whether your are a property owner or renter, there is no need for you to give up your beloved bully in exchange for housing – simply change your insurer and start enjoying your time with your pet. This article will cover insurance options for both home owners and renters looking for Pit Bull friendly insurance, as well as a discussion of ways to keep your current Pit-friendly coverage.
For more information on this topic please read: What Is Dog Liability Insurance?
Depending on what breed of dog you own, where you live and your insurance company, it could be difficult to buy a home insurance policy that includes liability for your dog.
Roughly 39 percent of American households have at least one dog, according to The Humane Society of the United States. But as the costs of dog-bite litigation spiral, some home insurance companies are refusing to write coverage for owners of certain breeds. According to the Insurance Information Institute (III), dog-bite claims account for more than one-third of all homeowners insurance liability claims, costing insurers about $479 million in 2011, up 16 percent from the previous year.
The Pitbull friendly insurance agencies include:
- Googley Insurance (If you contact them please mention Save A Bull, and for every policy they write, GoogleyInsurance will donate $20 to rescue)
- TheOneandOnly Insurance ($20 to rescue)
- Chubb Group
- United Services Automobile Association
Lists of dogs that insurance companies are wary of
- Pit bulls
- Chow chows
- German shepherds
- Siberian huskies
- Alaskan malamutes
- Doberman pinschers
- Presa Canario bulldogs
- Great Danes
In Michigan and Pennsylvania, it's illegal for home insurers to deny coverage simply because a home has a dog of a particular breed, according to III.
Some insurance companies will sell you coverage regardless of what type of breed you own. Jeff McCollum, a spokesperson for State Farm, says that there are good and bad dogs within each breed, just like there are responsible and irresponsible dog owners.
Met life does require policyholders to answer questions about dogs on their home insurance applications. Specifically, the company wants to know if a dog has ever bitten anyone or if it has been trained for attack purposes.
Insurance companies paid out roughly $80 million annually, from 2002 to 2008, for dog bite-related claims, McCollum says. While the overall number of bites appears to be decreasing, the rise of medical costs per incident offsets the decrease, he adds.
- Check your policy first
- Shop around
- Train and socialize your pet
It’s also important to socialize your pet with other animals and people. Exposing your dog to strangers, along with strange dogs, is an important part of developing a safe family member. You may also consider finding a dog trainer to help you with this process.
- Spay/Neuter Your Pet
- Get an umbrella policy
- Get canine liability insurance (Pit Bull Insurance)
- Bodily injury to animals or people
- Third party property damage
- Vet bills
- Medical bills, including reconstructive surgery
- Attorney’s fees
- Income compensation for the injured parties.