Introduction: The Pitbull Insurance Problem
When Jason and Mia bought their first home, they were shocked when 6 insurers denied them coverage—not because of their credit or the house, but because of their rescue pitbull, Duke. After months of searching, they finally found a solution (and saved $400/year).
If you own a pitbull, Rottweiler, Doberman, or other “blacklisted” breed, this guide reveals:
✔ Why insurers discriminate against certain dogs
✔ 5 companies that insure pitbull owners
✔ How to lower your rates (up to 30% discounts)
✔ Legal workarounds if you’re denied
1. Why Insurers Restrict Pitbulls (The Hard Truth)
🔹 The Bite Risk Stats
While any dog can bite, insurers cite studies showing:
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Pitbulls account for ~22% of fatal dog attacks (AVMA)
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Average dog bite claim = $64,555 (Insurance Information Institute)
🔹 How Breed Bans Work
Many insurers:
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Deny coverage outright for certain breeds
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Exclude liability coverage for dog-related injuries
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Charge higher premiums (20-50% more)
📌 Note: Restrictions vary by state. Michigan and Pennsylvania ban breed discrimination, but most states allow it.
2. 5 Pitbull-Friendly Home Insurance Companies
| Insurer | Breed Policy | Best For |
|---|---|---|
| State Farm | No breed restrictions | Most states |
| USAA | Allows pits with training | Military families |
| Farmers | Case-by-case review | CA, TX, FL owners |
| Allstate | No blanket bans | Bundlers |
| Nationwide | Accepts CGC-certified dogs | Older homes |
📌 Best Overall: State Farm (only asks about bite history, not breed).
3. 5 Ways to Get Covered (Even If Denied)
🔹 1. Get Canine Good Citizen (CGC) Certification
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$50-$150 training course
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Proves your dog is trained
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Accepted by Nationwide, USAA
🔹 2. Add a “Dog Liability” Rider
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Covers bites/injuries ($100-$300/year)
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Available even if your main policy excludes dogs
🔹 3. Form an LLC for Your Home
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Business policies often ignore pet restrictions
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Costs more but bypasses breed rules
🔹 4. Try Excess & Surplus (E&S) Insurers
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Specialty markets like Lloyd’s of London
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Higher premiums but no breed questions
🔹 5. Lease Your Home Instead
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Landlord policies rarely ask about pets
📌 Pro Tip: Never lie about your dog’s breed—it’s insurance fraud and voids claims.
4. 3 Sneaky Ways Insurers Still Discriminate
🚫 “We don’t ask about breeds… but we’ll inspect your home.”
(They’ll note your dog’s appearance)
🚫 “Your policy covers dogs… except for ‘vicious breeds.’”
(Check exclusions in writing)
🚫 “We’ll cover you—but charge $1,000 more a year.”
(Shop around!)
5. Pitbull Insurance FAQs
Q: Will spaying/neutering my pitbull help?
A: Yes! Some insurers offer discounts (reduces aggression risks).
Q: What if my pitbull is an ESA/therapy dog?
A: The ADA doesn’t override insurance rules—but some insurers make exceptions.
Q: Does renters insurance cover pitbulls?
A: Same issues apply. Try State Farm or Assurant.
Q: Can I sue an insurer for breed discrimination?
A: Only in MI, PA, or if they violate state laws.
Conclusion: Don’t Give Up on Your Dog
Your Action Plan:
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Call State Farm or Farmers first (most lenient)
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Get CGC certified (1-2 week course)
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Ask about liability riders if denied
Need Help? Independent agents who work with “high-risk” breeds can find hidden options.