Pitbull Friendly Homeowners Insurance - Coverage You Can Trust
Finding homeowners insurance coverage as a Pit Bull owner can, unfortunately, be a challenge.
Some insurance companies have dog breed restrictions, and sadly, many companies have added Pitties to their lists.
Even if your Pit Bull is calmer than a Chihuahua, you might still struggle to find a homeowners insurance company that is willing to help you out.
But without the right insurance company, you stand the risk of high medical costs, settlement amounts, and even payouts.
But don’t worry.
We have done the research for you and have found some of the best insurance companies in the United States that will provide coverage for your furry best friend.
(Side Note: Before signing up with any homeowners insurance provider, always check the Ts & Cs and ask any questions you may have beforehand. Although we have extensively researched this topic, it’s always best to contact the company directly.)
A list of pitbull-friendly homeowners insurance companies
1. Allstate
Allstate is a well-known homeowners insurance provider that does not have breed restrictions. One thing they might consider though is your Pitbulls history.
For example, has your Pittie ever bitten anyone? Or do they show an aggressive nature? If so, this might affect your coverage.
Although some insurance companies raise prices or even refuse to pay depending on the dog breed, Allstate takes a more comprehensive approach.
Rather than have blanket restrictions, the company evaluates a person’s home insurance eligibility by analyzing each “aggressive breed” on a case-by-case basis.
This assessment allows Allstate to consider each dog's personality, history, and the owner's control over the pet rather than simply segregating by breed.
Because of this approach, they offer a fair evaluation. The company also has a reputation for great customer service, ensuring dog owners are well-insured.
What does Allstate cover with its homeowner's insurance policy?
Allstates standard home insurance policy covers the following:
- Dwelling coverage
This means that the physical structure of your home will be covered. This includes the roof, walls, and attached structures. Their standard policy will also provide coverage against damage or loss from fire, smoke, theft, vandalism, and weather.
Liability coverage comes in handy, for example, if you are sued by someone who is accidentally injured on your property. Liability protection can help cover lawyer’s fees, settlement costs, and any other legal expenses that might be incurred. Liability cover might be the most important aspect of homeowners insurance for Pit Bull owners.
This applies to anything that belongs to you inside your home. This could include furniture, all electronics, and appliances. However, it might not cover things such as antiques or expensive jewelry.
You might need this for any medical expenses incurred by a houseguest on your property. It will cover the cost of X-rays, medical procedures, surgeries, and hospital stays. It’s important to note, though, that guest medical protection has a limit of between $5,000 and $10,000.
How much does Allstate homeowners insurance cost?
To get the best pricing, you would have to contact them for a quote. Remember, your credit history, type of home, location, and claim history all play a role in the pricing of your homeowner's insurance policies.
Allstate reviews
According to some Reddit reviews, Allstate was a good choice for Pit Bull owners. Some individuals moved to other insurers for lower pricing, but overall, most dog owners had a positive experience with Allstate.
They do have some rather bad reviews on TrustPilot, but this isn't specifically written by Pit Bull owners.
2. State Farm
State Farm is another good choice for homeowners insurance and renters insurance. They don’t have breed-specific restrictions but will rather, based on the history of your Pit Bull, provide the right coverage.
They don’t serve all states, though, and remember, different states have different rules regarding bully breeds.
You might need to call them to make sure that they offer coverage in your state and mention that you own a Pit Bull. For example, in California, a Reddit user mentioned that State Farm no longer provides coverage if you own a “dangerous breed.”
What does the State Farm insurance company cover?
State Farm insurance companies will help protect your home and budget by providing a personalized quote.
Their homeowner's policy will provide coverage if someone hurts themselves on your property and for keepsakes. You can also have the peace of mind that your home will be protected if it needs to be repaired or replaced.
An added advantage is that they also provide pet insurance. So, if you need extra coverage for your beloved pup's medical bills, you can always check out their policies.
How much does State Farm insurance coverage cost?
It really depends from person to person. It’s best to go to their site for a free quote. Once again, it depends on factors such as your credit history, your Pit Bull's history, and whether or not you have things such as smoke, fire, and burglar alarms.
Some users have stated that State Farm is cheaper than Allstate, though.
State Farm reviews
Many Reddit users have been happy with State Farm. They mention how they still offered them insurance policies even though they owned a Pit Bull.
Other websites mention that State Farm has a 4.6-star rating out of 5. They are known for their reliability, quality coverage, and dedication to their clients.
3. Chubb
Chubb is also one of the insurance companies in the U.S. that don’t have breed exclusions. They, in fact, offer full coverage even if you own a Pit Bull. Some companies might offer coverage for your home, but they may not cover dog bites, for example, as part of your policy.
It’s important to note, though, that they will evaluate each dog’s individual behavior and training before finalizing your home insurance.
Chubb is known as a fair insurance company that pays out claims promptly.
What does Chubb cover in their home insurance?
Various plans are available. For example, the Masterpiece plan from Chubb provides extensive coverage for expensive residences.
The following are the main points that Chubb covers:
This includes coverage for unattached structures like sheds and fences, as well as replacement and repair of your home's foundation and structure. The replacement cost estimate is the basis of this coverage. A lot of homeowners choose greater limitations, particularly if they own priceless possessions like jewelry or artwork.
Pays for extra living expenses, like food and transportation, if a covered catastrophe renders the house unusable.
What are Chubb's home insurance costs?
Your insurance premium is mainly determined by where you live, whether or not your state has prevalent natural disasters, and your claims, bill-paying history, your credit score, the specific characteristics of your home, the type of coverage you select, and any other Chubb products you may have that qualify for a discount when bundled.
In order to get an accurate quote, please contact them and mention that you own a Pit Bull. You might have higher premiums if your dog's behavior has been aggressive in the past.
Chubb homeowners insurance reviews
Chubb has a 4.1 star rating out of 5, according to Business Insider.
4. USAA
USAA is particularly for families who serve in the military. They are known for their excellent customer service and have no breed restrictions. USAA has been voted as the best insurance company for excellent customer service.
What does USAA cover and do they have renters insurance?
USAA covers most weather-related damages, theft and vandalism, some water damage, and mold. Their homeowner's insurance also covers things such as the structure of your home, personal liability, loss of use, and your personal belongings.
They also offer renters insurance too. So if you own your property but rent it out, you can apply for USAA Rental Property Insurance.
What’s the cost of USAA?
Once again, you would have to contact the company directly for a personalized quote. The monthly premium depends on several factors, such as the age, size and location of your home or whether your Pittie has a history of aggression or dog bite claims.
USAA review
USAA has excellent reviews according to Market Watch. They score 4.8 stars out of 5 and have been known to be a fair insurance company.
A few people on Reddit mentioned using them and were happy with the service they received. They also seemed to have scored the highest for affordability and coverage.
5. Auto-Owners
Auto Owners is a home insurance provider that has existed for over 100 years. It has 48,000 agents in 26 states. According to the Animal Farm Foundation, Auto Owners doesn't have breed restrictions and uses current scientific data to create its policies instead of relying on outdated stereotypes.
What do Auto Owners cover with their homeowner's insurance?
Auto Owners covers the following:
- Dwelling and personal property
- Personal liability
- Additional living expenses
But you can also choose to add on additional coverage, such as home cyber protection.
Once again always mention that you have a Pit Bull and make sure of their coverage.
What’s the cost of Auto Owners
You would need to contact them directly in order to get a personalized quote. They have various agents in different areas, simply go here for a quote.
However, according to sources on the web, a full-coverage policy costs an average of $1,619 per year, while a minimum coverage policy costs an average of around $358 per year.
Auto Owners reviews
According to Market Watch, Auto Owners have the best overall rating. They scored 8.9 out of 10 stars.
FAQs - Pit bull friendly homeowners insurance
Do I have to tell my home insurance company about my Pit Bull?
Yes, it is always important to tell insurance companies if you have a Pit Bull. You want to work with a company that will provide full coverage.
If you don’t disclose that you own a specific breed of dog that they might view as a problem, you could end up having to pay for liabilities yourself.
Honesty is really the best policy when it comes to choosing insurance providers.
Why are Pit Bulls a problem for some home insurance companies?
Pit bulls are sadly at the forefront of many debates. Are they inherently aggressive, or are these beautiful dogs completely misrepresented?
The breed was originally bred for dog fighting and rat baiting, and sadly, when left in the wrong hands, these dogs were responsible for 284 deaths from 2005 to 2017, according to Statista. However, these stats should also be read with caution because they don’t delve deeper into the pup's upbringing, training, and socialization.
Many insurance companies acknowledge the above stats and view Pit Bulls as a dangerous breed. This can lead to higher premiums or even exclusions for homeowners.
In conclusion, if you are looking for homeowners and renters insurance that will cover you if you have a Pit Bull, always double-check what the company covers. Be honest, and remember that each state might have different rules and regulations. If you’re unsure, always ask.