If you own a Pit Bull, you can almost certainly be sure to have to deal with the consequences through your homeowners insurance company. Pit Bulls, because of their perceived aggressiveness are considered to be a greater risk to insure than many other types of dogs.
Pit Bulls and Personal Liability Homeowners Insurance
The fear that homeowners insurance companies have stems from the personal liability portion of your homeowners insurance policy. This part of the policy protects you in case someone is hurt while in your house or on your property. It will protect you against lawsuit and pay medical bills, work leave compensation and whatever else is needed and covered by the policy.
If your Pit Bull bites a guest of yours on your property, a claim against the homeowners insurance company can then be filed. Homeowners insurance companies state that by targeting Pit Bull owners, they can charge those customers higher rates and reduce the cost of homeowners insurance for those who do not own those animals.
Tips for Getting Homeowners Insurance with a Pit Bull
Some homeowners insurance companies will simply not insure you if you own a Pit Bull. If you get a Pit Bull after you have gotten homeowners insurance, you may actually be dropped by your insurance provider. However, there are options available if you are dropped or turned down based upon your Pit Bull.
- Get a separate policy for your Pit Bull: Some homeowners insurance companies will still cover you, but will not insure anything that happens involving your Pit Bull and may require you to get a separate insurance policy from another provider for your Pit Bull.
- Have your Pit Bull take the Canine Good Citizen Test: This may help with some homeowners insurance companies. It is a training course and test offered by the American Kennel Club and may allow you to find homeowners insurance with your Pit Bull and may even help to lower the homeowners insurance rates.
- Look for another homeowners insurance provider: It may be difficult, but you can find homeowners insurance companies that will insure a home with a Pit Bull. It will take some looking around and you will have to pay higher rates; however, you should be able to keep your beloved pet.
Which Breeds of Dogs May Raise My Homeowners Insurance Rates
Along with your pit bull, there are other breeds of dogs that may also raise your homeowners insurance rates. Again, this has to do mostly with the particular homeowners insurance company you go with.
- Chow Chow
- Doberman Pincher
- German Shepard
- Presa Canarios
- Siberian Husky
- Staffordshire Bull Terrier
- Wolf dog
Not all of these dogs will increase your homeowners insurance rates with specific companies and you should simply check with your homeowners insurance company to make sure.
Find Homeowners Insurance Quotes With Your Pit Bull
With the added responsibility of a Pit Bull, or any other breed that is considered aggressive, it is now much more important to shop around to get the best and cheapest homeowners insurance available.
Use our homeowners insurance quote finder tool and begin getting rate quotes today. It is free, quick and easy and can save you a bundle in the long run. Don’t let having a Pit Bull get you down when searching for affordable homeowners insurance. Use our quote finder tool to get as many quotes as possible to increase the likelihood of finding the homeowners insurance that you can afford.