{"id":196,"date":"2016-03-10T20:56:48","date_gmt":"2016-03-10T20:56:48","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=196"},"modified":"2025-01-20T14:45:24","modified_gmt":"2025-01-20T14:45:24","slug":"can-my-homeowners-insurance-be-cancelled-if-i-own-a-pit-bull","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/homeowners-insurance\/understanding-homeowners-insurance\/can-my-homeowners-insurance-be-cancelled-if-i-own-a-pit-bull\/","title":{"rendered":"Can My Homeowners Insurance Be Cancelled If I Own a Pit Bull?"},"content":{"rendered":"

When shopping for homeowners insurance<\/a> most consumers don\u2019t give much thought to their pets \u2013 but, their insurer might. As it turns out, some insurance companies consider certain breeds, especially pit bulls, to be a high risk of potential liability and lawsuits from dog bites, leading to substantial medical costs, settlement size, and corresponding payouts.<\/p>\n

Breed bias is entirely up to the individual insurer as well as the agent writing up your policy. You might think of your pit bull as sweet and cuddly, but your agent may have a different opinion as a result of the breed\u2019s bad press and reputation over recent years and label your lovable pooch as too dangerous to provide you with coverage.<\/p>\n

While it might seem silly that in many states your dog\u2019s breed can dictate an insurance company\u2019s willingness to cover your home, to your insurer it all comes down to financial considerations. In other words, protecting your residence from fire and theft is one thing, but dog bites are another.<\/p>\n

Owning a \u201cdangerous breed\u201d<\/h2>\n

Owning a \u201cdangerous breed\u201d makes insurance carriers leery because they believe it\u2019s more a matter of \u201cwhen\u201d the dog will attack rather than \u201cif\u201d, according to Howard Bergstein, president of independent insurance agency, Erich Courant & Co.<\/p>\n

Looking at it from your insurer\u2019s perspective \u2013 dog bites have become a major financial burden for the insurance industry. In fact, the most recent claim statistic from the Insurance Information Institute showed that dog bites and dog-related injuries accounted for more than one third of all homeowners insurance liability claims paid out in 2014, which amounted to over $530 million dollars and an average claim payout of nearly $32,000.<\/p>\n

However, because actual costs could be much higher, you have to make sure your coverage is enough \u2013 just in case. For example, should the injured party be critically injured or maimed as a result of your dog attacking them, you could lose your home if your homeowners insurance or renters insurance policy is limited to $100,000 liability coverage and you\u2019re sued for millions.<\/p>\n

Each May, in conjunction with National Dog Bite Prevention Week<\/a>, insurance companies issue their list of breeds they deem to be dangerous and, thus, result in your possibly being denied coverage according to their criteria.<\/p>\n

Below are 17 of the most commonly \u201cblacklisted dog breeds\u201d by insurance companies:<\/p>\n

    \n
  1. American pit bull terrier<\/li>\n
  2. American Staffordshire terrier<\/li>\n
  3. Bull terrier<\/li>\n
  4. Wolf hybrids<\/li>\n
  5. Akitas<\/li>\n
  6. Chow-chows<\/li>\n
  7. Doberman pinschers<\/li>\n
  8. Olde English bulldogs<\/li>\n
  9. Rottweilers<\/li>\n
  10. German shepherds<\/li>\n
  11. Siberian huskies<\/li>\n
  12. Alaskan malamutes<\/li>\n
  13. Presa canarios<\/li>\n
  14. Great Danes<\/li>\n
  15. Boxers<\/li>\n
  16. Saint Bernards<\/li>\n
  17. Mastiffs<\/li>\n<\/ol>\n

    Of course, you may or may not agree with this list if your version of man\u2019s best friend is on it, but you\u2019re not the one making the final decision \u2013 your insurance company is.<\/p>\n

    Availability of coverage may differ by state and regulations. That said, in California, Farmers Insurance recently announced it would cease coverage for bites involving Pit Bulls, Rottweilers, and wolf hybrids because the three breeds were responsible for 25 percent of all dog bite claims in the state.<\/p>\n

    Remember \u2013 your homeowners insurance company holds all the cards. Granting you coverage to protect your home as well as your dog is entirely at their discretion. While they may not cancel your homeowners policy outright for owning a pit bull or other dog breed on the dangerous list, showing your insurer you\u2019re a responsible dog owner can go a long way in your quest for coverage.<\/p>\n

    Previous incidents will be held against you. If you have had a dog bite claim in the past, your insurer may opt to not renew your policy, forcing you to get liability coverage elsewhere.<\/p>\n

    In the end, shop around. The minimum amount of liability coverage you should carry as part of your homeowners or renters policy is recommended at $100,000. Better yet, you may want to consider buying a separate $1,000,000 umbrella policy to protect yourself in the event your dog bites someone. According to the Insurance Information Institute, the typical policy is quite affordable, ranging from about $150 to $300 per year.<\/p>\n

    There are plenty of canine-friendly insurers out there, so, if your insurer decides to keep Fido out of your policy, it\u2019s good to know you do have options.<\/p>\n

    Homeowners insurance can be affordable when you buy from Freeway Insurance, no matter what pets you have under your roof. Request a homeowners insurance quote<\/a> online or over the phone at (800)777-5620<\/strong>. Your quote is just minutes away.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    When shopping for homeowners insurance most consumers don\u2019t give much thought to their pets \u2013 but, their insurer might. As it turns out, some insurance companies consider certain breeds, especially pit bulls, to be a high risk of potential liability and lawsuits from dog bites, leading to substantial medical costs, settlement size, and corresponding payouts. […]<\/p>\n","protected":false},"author":1002628,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63],"tags":[103,104],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/196"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002628"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=196"}],"version-history":[{"count":4,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/196\/revisions"}],"predecessor-version":[{"id":6972,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/196\/revisions\/6972"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=196"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=196"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}