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 Daniel Walker

UPDATED: May 11, 2022

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Owning a dog can be an incredible experience. But certain homeowners insurance companies will not offer coverage for certain breeds of dogs. For example, if you own a pit bull, rottweiler, or another breed of dog that is considered relatively dangerous, you may have a hard time finding coverage for your pet.

Because homeowners insurance policies offer liability to cover incidents such as dog bites and attacks, many insurance companies refuse to cover certain breeds of dogs that are more likely to harm someone. But which homeowners insurance companies allow all breeds of dogs? Unfortunately, you may have to do some digging to find the answer.

What homeowners insurance companies do not discriminate against dogs?

While many companies restrict specific dog breeds, there are a few that do not. The most popular, well-known insurance companies that do not restrict specific dog breeds are USAA and State Farm.

Outside of USAA and State Farm insurance, other companies that do not restrict specific dog breeds include:

  • Amica
  • Auto-Owners
  • Chubb
  • Farmers (in some states)
  • Toggle (in some states)

Rather than refusing coverage because of your dog’s breed, these companies often evaluate your dog’s behavior to determine whether you are eligible for homeowners insurance.

If you have ever had to file a homeowners insurance claim because of a dog bite or dog attack, you can expect that your insurance company will not renew your policy. Likewise, other companies will know you filed the claim and could be hesitant to offer you coverage. But if you have had your dog for years and there has never been a problem, you may be a candidate for homeowners insurance coverage.

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Does AAA allow all breeds of dogs?

In most instances, larger insurance companies, such as AAA and Progressive, do not restrict against breeds of dogs. Instead, these companies care about your dog’s specific nature and whether you have ever had to file a claim because of your dog in the past.

You will not find AAA homeowners insurance dog breed restrictions listed online, but this does not mean there aren’t any AAA insurance dog breed restrictions. In some states, AAA may allow all breeds of dogs, while in other states, the company may have a specific AAA dog policy based on breeds.

If you are interested in purchasing homeowners insurance, you can call the company and speak with an agent to see if there is an AAA homeowners insurance dog list available.

Does Progressive home insurance cover pit bulls?

The Progressive website states that certain companies allow all breeds of dogs while others may decline coverage if you own a breed that is considered dangerous, like a pit bull.

While Progressive’s website does not clarify whether the company will offer homeowners insurance to someone who owns a pit bull, you can easily find out by calling or getting an online quote for homeowners insurance. You will be asked whether you have a dog and what breed of dog you own in either instance.

If you do not receive coverage after you disclose that you own a pit bull, it may be because of your dog’s breed. You can always speak to a Progressive agent to learn more and explain your unique circumstance if you know you would like to purchase a homeowners insurance policy with the company.

What are the Farm Bureau Insurance dog breed restrictions?

Like Progressive, Farm Bureau does not list any specific breed restrictions online. Instead, the company states that you can speak to a Farm Bureau representative who can discuss any particular limitations because of your dog’s breed.

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Why do some insurance companies discriminate against dog breeds?

Insurance companies discriminate against dog breeds because they are more likely to harm someone or cause an injury. These animals pose more of a risk to insurance companies because of the liability coverage that goes along with a homeowners insurance policy.

Liability protection in a homeowners insurance policy protects you and your family against bodily injury or property damage lawsuits. Among other things, this includes paying for injuries or damages your dog causes.

Home insurance companies that accept pit bulls may be few and far between because pit bulls are more responsible for dog bites than any other dog breed. Similarly, there may not be many homeowners insurance companies that allow Dobermans for the same reason.

If you go with a bigger company, you will be more likely to find insurance companies that don’t discriminate against dog breeds. But if you are interested in a local insurance company for homeowners insurance coverage, you might have a hard time finding coverage for your dog.

Can you get renters insurance with any breed of dog?

The same companies that offer homeowners insurance also tend to provide renters insurance. So if an insurance company discriminates against dog breeds with a homeowners insurance policy, it will probably do the same with renters insurance coverage.

Some companies, like Toggle, offer renters insurance without breed restrictions in some states. But you will probably have to contact the company directly to determine whether your dog would be covered based on where you live, the amount of coverage you want, the breed of dog you have, and more. 

How much is homeowners insurance with a dog?

The amount you will pay for homeowners insurance depends on several factors. Some of the most common factors that impact the cost of homeowners insurance include:

  • Where you live
  • The age and condition of your home
  • The amount of coverage
  • Your credit score
  • Whether you own pets
  • Your deductible

The table below shows each state’s average monthly and annual homeowners insurance rates.

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You may find that owning a dog causes your rates to be higher than your state’s average. But an insurance company that has breed restrictions will not simply charge you more for your homeowners insurance coverage. Instead, the company will deny you homeowners insurance coverage altogether.

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How can I save on homeowners insurance with a dog?

Even if you find insurance companies that allow pit bulls, you may still find that your rates are high based on the factors listed above. To see if you can lower your monthly insurance rates, you can ask the company whether you qualify for any discounts.

Some standard discount options for homeowners insurance coverage include:

  • Bundling
  • Security 
  • Home improvement 
  • Loyalty 
  • Claims-free 
  • New homebuyer
  • Early signing

If you believe you qualify for a discount on homeowners insurance, you can ask any company you’re considering how much you could save with a discount. Most discounts can help clients save anywhere from 5% to 20% on coverage.

Homeowners Insurance and Dog Breeds: The Bottom Line

If you have a dog, you may have difficulty finding homeowners insurance coverage. Ultimately, you will need to shop around for coverage to find companies that will not decline coverage based on your dog’s breed.

To save money on coverage, you can compare quotes from multiple companies and ask about specific discounts for which you may be eligible.