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: Mar 17, 2022

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Pit bull owners have it ruff, fighting against many stigmas that exist around their beloved pups. If you have a pit bull then you need to be sure you have home insurance coverage for your pet. You’ll want to get multiple quotes to find an average cost you would be comfortable with from our free online rate tool or contact several insurers until you find one that offers this coverage.

Finding pit bull homeowners insurance does not have to be difficult if you are willing to shop around. Even though some insurance companies have breed restrictions, you’ll find the one that fits you. Responsible dog owners should realize that having coverage for their pet means peace of mind for everyone. Just enter your ZIP code into the FREE tool now!

Are there pet specific insurance plans?

While some home insurance policies automatically include pets, most of them do not. Furthermore, many home insurance policies, even the ones that include pets, exclude certain aggressive-labeled breeds of dog, such as a pit bull.

You need to either ask if your current provider, or any other provider if you’re shopping around, offers homeowners insurance policies that include a pit bull, or you will need to get an additional policy that will cover him or her. Sometimes those types of policy limits aren’t mentioned immediately, so you would need to ask for clarification.

In addition to purchasing the right amount of home insurance that includes pit bull coverage, you should also take all necessary precautions with pet ownership. No matter how trusting you believe your dog is, you should never assume that your dog will not attack. Take precautions to prevent bite claims against your dog – never tell someone your dog is friendly in case your dog decides they don’t like that particular human or other dog. And when you have guests over, create a separated safe space for your dog in case they may not get along.

This is especially important because statistics show that more than half of all dog attacks happen on the dog owner’s property and that more than 75% of victims personally know the dog owner. Keep your dog safely enclosed in your backyard if you leave him unattended. Always keep your dog on a short leash when taking him for walks and do not let him approach strangers without permission. This is especially true for pit bull owners, because there are lots of people out there who associate them with aggressive behavior and consider them to be a dangerous breed, even if you own the world’s cuddliest snuggle-bug of a pup with no history of aggression.

If you know your dog is on the aggressive side, consider walking him with a muzzle to prevent unexpected attacks.

it may seem like a heartless thing to suggest, but muzzles can be used for the good of the dog. If you’re a pet owner, you know that they are curious and like to eat just about anything they can. Muzzles can prevent them from eating things they aren’t supposed to. Muzzles come in a variety of sizes to assure comfort for your dog and safety for others. Materials range from plastic and leather to wire and nylon. If you are unsure about proper use of a muzzle, your veterinarian can explain to you the appropriate one for your pet as well as train you on proper procedures for it.

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Why are pit bulls difficult to insure?

The origin of the pit bull is the cross breeding of bulldogs and terriers. Pit bulls, also known as American pit bull terriers, have become labeled as an aggressive breed of dog. Several other bull terriers as well as the American bulldog are considered to be pit bull breeds as well.

A high incidence of human fatalities due to attacks from pit bulls has led to legislation naming the pit bull as an aggressive and dangerous pet.

Due to this legislation, homeowners and renters insurance companies that once covered pit bulls as part of their original policy no longer insure them. It has become increasingly difficult to get home insurance that already includes dogs who have been labeled as aggressive, and it is not always easy to get a separate liability policy to cover them either.

When you find home insurance coverage for a pit bull, it is usually more expensive, since they’re usually on the restricted dog breed list. Breed exclusions may seem harsh, but there’s nothing that can be done besides make sure your dog is covered.

What are the statistics on pit bulls and home insurance?

In 2000, pit bulls were registered as the breed having the highest number of human fatalities, a total of 32%, due to dog bites and mauling. The three most aggressive dogs in order of aggression are pit bulls and Rottweilers followed by presa canarios. 74% of dog attacks were made by these three breeds combined.

Statistics show that out of all the attacks from these breeds, 82% of them were on adults and 68% were on children. Out of all the fatalities from dog attacks, the three most dangerous breeds were responsible for 65%. They were also responsible for maiming 68% of the people. Approximately 75% of the attacks were noted as first time attacks.

Medical costs range between one and two billion dollars every year for victims of dog attacks. Dog bite insurance claims increase every year, from $345 million in 2002 to $356 million in 2007.

An average claim is approximately $25,000 to $30,000 so your insurance liability should be able to adequately cover at least that much. If you are not sure how much insurance you need for your pit bull, check with your agent.

What goes into insuring a pit bull?

The part of a homeowners or renters insurance policy that would cover dog-related injuries would be the liability coverage, as this covers incidents in which a person is injured on your property.

You can also look into stand-alone policy options, like an umbrella policy or canine liability policy to get extra protection.

Since pit bulls are considered to be an aggressive breed, it is somewhat costly to have additional coverage on top of homeowners insurance with a pit bull. Many people debate whether the pit bull is truly an aggressive breed or if they are a merely a product of their environment.

Either way, the dog owner is ultimately responsible for all consequences resulting from their dog’s behavior. Since dog owners have liability for their breeds, it is imperative to have a homeowners policy that covers them no matter what the cost.

Shopping around to get the best rates may help you save some money on your premiums even if you don’t own common breeds that aren’t usually covered, it may just take some digging. You may be able to find home insurance coverage that includes your pit bull or you may be able to purchase a separate rider that covers aggressive breeds.

Whichever insurance policy you get, be sure it specifies your particular breed of dog. To request rates now for home insurance, enter your ZIP code!