Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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homeowners insurance allowing dogs

It is very rare to find a homeowners insurance company that allows all breeds of dogs. However, you may be able to find coverage for your specific breed, but it is a task and is best accomplished by a combination of two actions.

The first is to visit dog forums about the type of dog you need to insure. Folks often go to these sites and have very frank (read angry) discussions about the difficulties of insuring their pets.

The second step is to get multiple rate quotes for that coverage (which you can do easily by entering your ZIP code into the FREE tool on this page).

Another option is to get animal liability insurance that is not related to your home insurance policy. Companies like Chase Hunter Carmen Insurance claims to offer coverage even if your dog is labeled dangerous and that they have never declined an animal for coverage. Their website claims coverage that starts at $155.

Of course, no endorsement is implied and you will still want to compare other policies, and check the rating and reviews of such providers by visiting the pet insurance section of our site.

Dog Forums and Home Insurance

According to forums at GermanShepherds.com Vermont Mutual does not cover this breed, but in some states AAA and State Farm offer coverage for this breed. A forum for pit bull owners with the tag line “Punish the Deed, Not the Breed” has a forum poster who recommends a company called Prime Insurance Syndicate. The American Kennel Club also offers information on insurance for dogs.

One of the things that many people look forward to when they purchase a home is the ability to have the pets that they want, especially dogs.

The problem sometimes arises, however, that an insurance company drops the homeowner from their policy because of the type of dog that they own. In fact, some homeowners find out after the fact that they have lost their policy without any warning from the insurance company. This brings up the question of what insurance companies offer homeowners insurance for any breed of dog, and if there are dog breed restrictions with AAA.

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Companies Offering Homeowners Insurance

insurance companies allowing all breeds of dogsThe answer to this question isn’t an easy one as every insurance company is different and there are dozens of insurance companies that offer homeowners insurance. However, it is easy to learn if your insurance company has breed restrictions or not with a simple phone call to your insurance agent.

Often, major companies like State Farm, Progressive and Triple A have no breed restrictions while smaller state specific companies have a list of dogs that they do not allow homeowners to have. This list usually includes any breed of Rottweilers, Pit Bulls, German Shepherds, Doberman Pinschers, Akitas, Chow Chows, Wolf hybrids, Presa/Dogo Canarios (this list could include more dogs depending on your insurance company).

Because some lenders choose the company that you can purchase your homeowners insurance from, before you purchase or adopt one of these breeds, you should ensure that your homeowners insurance will remain active, otherwise you could be in trouble with your lender as well as being without homeowners insurance.

Why Insurance Companies are So Particular

Many people would claim that choosing the type of dog that they own is up to them and that it should be illegal for an insurance company to determine what type of dog they can own in order to be covered. The problem is, insurance companies are the ones who pay the bills if a dog attacks someone.

According to the SPCA the annual injuries that occur from dog bites in the US is a whopping 4.7 million; 800,000 of which end up with injuries that require treatment.

The average cost of a dog bite is $12,000 each and the two breeds responsible for the majority of these attacks are Pit Bulls and Rottweilers.

Breed restrictions allow insurance companies to control the costs that occur from animal attacks and keeps your homeowners insurance and the insurance of other people who use the same insurance company down.

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The Cost of Home Insurance with No Breed Restrictions

Pit Bull - homeowners insurance

While there are companies that offer homeowners insurance to you regardless of what type of dog you own, you can expect to pay more if you have a dog that is considered high-risk (see list above). In addition, the size of your dog as well as which specific breed that you own will be a factor when it comes to cost; for example, a Pit Bull will be more expensive than a Chow because Pit Bulls have a higher incident rate.

If you want to save money on your homeowner insurance premiums you can check with your insurance company to see if they offer discounts to homeowners who take additional precautions with their high-risk animal such as obedience classes and having a fenced in yard.

Even insurance companies that have no breed restrictions have their limits when it comes to your high-risk dog ownership. Most companies have a limit on how many high-risk dogs that you can own; this number can vary but it is typically between two and four, after that you will be dropped by your insurance company. If you exceed breed maximums and you have an incident the insurance company will not cover your costs and you will be financially responsible for any costs that occur because of the attack.

Each state has laws specifying whether or not home insurance companies can discriminate based on breed. Again, pet forums are a great place to dig up this information.

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Other Ways to Save Money

homeowners insurance companies allowing all dogsIf you want to save more money on your homeowners insurance you only have a couple of options. The first is to get rid of your high-risk dog and get one that is considered safe by your insurance company. This is a difficult thing to ask of people who love their pets and consider them to be part of the family; that is why the second option may be better for you.

Doing a comparison between insurance companies that offer homeowners insurance to people with high-risk dogs is the best way to save money on your insurance while still keeping your dog(s). Comparing rates makes sense no matter what your situation is because this ensures that you get the lowest rate possible for your homeowners insurance.

Our free quote tool, allows you to compare insurance quotes from many great companies in your area that have no breed restrictions on dogs. You have to have homeowners insurance, don’t let your insurance company make you get rid of your dog, use our FREE quote tool today and find a company that lets you keep the animals that you want at a price that you can afford!