{"id":320808,"date":"2025-11-10T18:14:31","date_gmt":"2025-11-10T23:14:31","guid":{"rendered":"https:\/\/www.reviews.com\/?p=121773"},"modified":"2025-11-10T18:14:32","modified_gmt":"2025-11-10T23:14:32","slug":"what-pitbull-owners-should-know","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/what-pitbull-owners-should-know\/","title":{"rendered":"Does Owning a Pit Bull Increase Home Insurance Premiums? What Owners Should Know"},"content":{"rendered":"\n<p><strong>Fast facts about pit bulls and home insurance:<\/strong><\/p>\n\n\n\n<ul><li>Whether a pit bull affects your price or eligibility depends on your insurer and your state. Several states now prohibit breed\u2011based underwriting or pricing in homeowners (and often renters) insurance\u2014insurers must focus on a dog\u2019s individual history instead (for example, <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">New York<\/a>, <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">Connecticut<\/a>, <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">Oregon<\/a>). Advocacy trackers show additional jurisdictions advancing similar rules; always check your state\u2019s insurance department for current requirements (<a href=\"https:\/\/bestfriends.org\">Best Friends policy tracker<\/a>).<\/li><li>Dog bites and other dog\u2011related injuries cost U.S. homeowners insurers a little over $1.2 billion in 2024, across roughly 19,000\u201320,000 claims, with an average cost per claim in the low\u2011$60,000s (<a href=\"https:\/\/www.iii.org\/press-release\/dog-bites-and-related-injuries-cost-insurers-over-1-billion-in-2024\">Insurance Information Institute<\/a>). That total is up more than 50% compared to about $790\u2013$800 million in 2019 (<a href=\"https:\/\/www.iii.org\/article\/spotlight-on-dog-bite-liability\">Triple\u2011I Spotlight<\/a>).<\/li><li>Some major <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" rel=\"nofollow\" class=\"achor-toggles\">home insurance companies<\/a> have moved toward behavior\u2011based underwriting (for example, <a href=\"https:\/\/newsroom.statefarm.com\/national-dog-bite-prevention-week-2024\/\">State Farm<\/a> says it does not use breed), while others still rely on restricted\u2011breed lists where allowed (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>). Practices can also differ under state breed\u2011neutral laws.<\/li><li>Always disclose dog ownership. The <a href=\"https:\/\/content.naic.org\">NAIC<\/a> notes that policies may exclude or limit animal liability unless you add an endorsement; some carriers apply sublimits (often $10,000\u2013$50,000) or require a buy\u2011back endorsement on homeowners or renters policies (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.iii.org\/article\/dog-bite-liability\">Triple\u2011I<\/a>).<\/li><\/ul>\n\n\n\n<p>Most people\u2019s dogs are like a member of the family. But dog\u2011related incidents\u2014on or off your premises\u2014are a significant source of liability claims. Recent industry data show dog bites and other dog\u2011related injuries account for more than one\u2011third of homeowners liability claim dollars in many years, with national totals a little over $1.2 billion in 2024 and average costs in the low\u2011$60,000s per claim (<a href=\"https:\/\/www.iii.org\/press-release\/dog-bites-and-related-injuries-cost-insurers-over-1-billion-in-2024\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.iii.org\/article\/spotlight-on-dog-bite-liability\">Triple\u2011I Spotlight<\/a>).<\/p>\n\n\n\n<p>As a snapshot, one large carrier\u2014<a href=\"https:\/\/newsroom.statefarm.com\/dog-bite-prevention-2025\/\">State Farm<\/a>\u2014reported paying roughly a quarter\u2011billion dollars for dog\u2011related injury claims in 2024, and the <a href=\"https:\/\/about.usps.com\">USPS<\/a> recorded more than 6,000 dog attacks on letter carriers that year (an exposure indicator, not an insurance dataset).<\/p>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/buyers-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Homeowners insurance<\/a> typically provides personal liability coverage for injuries or property damage you\u2019re legally responsible for, including many dog incidents\u2014unless the policy excludes or limits animal liability. Coverage rules vary by insurer and by state. In states with breed\u2011neutral laws (e.g., <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">NY<\/a>, <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">CT<\/a>, <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">OR<\/a>), insurers cannot underwrite or rate solely on breed and may instead consider a specific dog\u2019s documented history; similar principles often apply to renters insurance as well (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Pit bulls are large, powerful dogs, and some insurers treat them as higher\u2011risk. Evidence on severity by breed is mixed: clinical series (e.g., an <a href=\"https:\/\/wexnermedical.osu.edu\">Ohio State<\/a> analysis) have reported pit bull\u2013type dogs overrepresented among severe injuries, but veterinary and public\u2011health sources emphasize that breed alone is a poor predictor of risk, and misidentification is common (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>). Importantly, since 2019 there has been no large, reliable national dataset that quantifies bite severity by breed in the U.S., which limits breed\u2011specific conclusions (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>).<\/p>\n\n\n\n<p>Compared to &#8220;safer&#8221; dog breeds that are smaller and are considered <a href=\"https:\/\/www.akc.org\/dog-breeds\/best-family-dogs\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">family-friendly<\/a>, current underwriting trends favor behavior and individual history over blanket breed lists. Where lists remain allowed, large dogs with higher potential severity (including pit bull\u2013type dogs and rottweilers) may face exclusions, surcharges, or liability sublimits; in states with breed\u2011neutral laws, carriers may not use breed alone to set price or eligibility (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>).<\/p>\n\n\n\n<p>If you have a pit bull or think you might get one in the future, confirm that your homeowners or renters policy includes animal liability (not excluded or capped by a low sublimit). Many carriers now use endorsements to buy back or increase coverage; typical sublimits range from $10,000\u2013$50,000 unless you purchase higher limits (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.iii.org\/article\/dog-bite-liability\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<p>Some insurers may not provide coverage for pit bulls at all in states where breed\u2011based rules are permitted, while others may charge more or require endorsements to add back coverage. In states that prohibit breed\u2011based underwriting, carriers must focus on individual history (for example, prior bites). If your base policy excludes dogs, alternatives include a personal umbrella, a stand\u2011alone comprehensive personal liability policy, or specialty canine liability coverage (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/dog-bite-liability\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Do Insurers Care About Dog Breed?<\/strong><\/h2>\n\n\n\n<p>Some insurers, like <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm<\/a>, say, \u201cIt\u2019s not the breed, it\u2019s the bite.\u201d Any dog can bite out of fear or stress. Small dogs can sometimes be the most vicious. State Farm publicly states it does not ask what breed you own when underwriting home or renters policies (<a href=\"https:\/\/newsroom.statefarm.com\/national-dog-bite-prevention-week-2024\/\">State Farm<\/a>).<\/p>\n\n\n\n<p>However, many insurers still use restricted\u2011breed lists or require dog\u2011liability exclusions where permitted, while others are case\u2011by\u2011case and emphasize prior incidents and owner controls (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>). In states with breed\u2011neutral laws (e.g., <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">NY<\/a>, <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">CT<\/a>, <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">OR<\/a>), carriers cannot rate or underwrite solely on breed. Since 2019 there has been no large, reliable national dataset quantifying bite severity by breed, and veterinary bodies caution against breed\u2011only assumptions (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>).<\/p>\n\n\n\n<p>Other companies consider homeowners insurance for dog owners on a case-by-case basis. That\u2019s why it\u2019s imperative for you to talk with your homeowners or renters insurer or agent before getting a pit bull to confirm whether dog incidents are covered, whether questionnaires (bite history, fencing, training) are required, and whether any endorsements or conditions apply (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Some insurers increase <a rel=\"noreferrer noopener\" aria-label=\"personal liability coverage (opens in a new tab)\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-personal-liability\/\" target=\"_blank\">personal liability coverage<\/a> premiums when a homeowner has a pit bull in the home. Personal liability coverage covers personal injury and property damage costs when you\u2019re found at-fault for an incident.&nbsp;Today, animal liability may be excluded or capped by sublimits (often $10,000\u2013$50,000) unless you add a buy\u2011back or higher\u2011limit endorsement; the same patterns are common in renters insurance. Always confirm your declarations and endorsements (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/dog-bite-liability\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<p><strong><em>[ Read:&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/\" target=\"_blank\">The Best Pet Insurance<\/a>&nbsp;]<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How home insurance companies restrict pit bull owners<\/strong><\/h2>\n\n\n\n<p>Older sources often cited include a <a href=\"https:\/\/www.cdc.gov\/mmwr\/preview\/mmwrhtml\/00047723.htm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CDC review of dog attacks<\/a> resulting in human deaths (1979\u20131994), compilations from <a href=\"https:\/\/www.dogsbite.org\/dog-bite-statistics.php\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">DogsBite.org reports<\/a>, and media reports like this <a href=\"https:\/\/www.12news.com\/article\/news\/local\/valley\/pit-bull-population-overwhelming-shelters-contributing-to-attacks\/75-80302ac4-b765-45f5-b26f-d7e1b0effbc9\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">2020 report by 12 News<\/a>. A commonly referenced 2019 clinical analysis from <a href=\"https:\/\/wexnermedical.osu.edu\">Ohio State<\/a> found pit bull\u2013type dogs overrepresented among severe injuries. Yet veterinary and public\u2011health guidance stresses breed labels can be unreliable, context matters, and since 2019 there is no large, reliable national dataset quantifying bite severity by breed (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>). Consequently, many insurers are shifting toward behavior\u2011based underwriting, especially where state law requires it (<a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">NY DFS<\/a>; <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">CT Insurance Department<\/a>; <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">Oregon HB 2683<\/a>).<\/p>\n\n\n\n<p>Because losses are significant, insurers manage canine liability closely. Dog\u2011related injury claims cost homeowners insurers a little over $1.2 billion in 2024 with roughly 19,000\u201320,000 paid claims (<a href=\"https:\/\/www.iii.org\/press-release\/dog-bites-and-related-injuries-cost-insurers-over-1-billion-in-2024\">Triple\u2011I<\/a>). Individual carriers report substantial payouts\u2014for example, <a href=\"https:\/\/newsroom.statefarm.com\/dog-bite-prevention-2025\/\">State Farm<\/a> paid on the order of a quarter\u2011billion dollars in 2024\u2014and the <a href=\"https:\/\/about.usps.com\">USPS<\/a> logs thousands of dog attacks on letter carriers annually. Depending on your state\u2019s rules, insurers may decline, surcharge, sublimit, or exclude liability for certain dogs. Where breed\u2011neutral laws apply, decisions must hinge on a specific dog\u2019s documented behavior, not the breed label (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Content Reveal: Dog breeds insurers won\u2019t commonly cover<\/strong><\/h3>\n\n\n\n<ul><li>Doberman pinschers<\/li><li>German shepherds<\/li><li>Pit bulls<\/li><li>Rottweilers<\/li><li>Staffordshire terriers<\/li><li>Wolf hybrids<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pit bull-friendly home insurance options<\/strong><\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Allstate (opens in a new tab)\">Allstate<\/a><\/li><li><a href=\"https:\/\/www.amica.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Amica (opens in a new tab)\">Amica<\/a><\/li><li><a href=\"https:\/\/www.chubb.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Chubb (opens in a new tab)\">Chubb<\/a><\/li><li><a href=\"https:\/\/www.nationwide.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Nationwide (opens in a new tab)\">Nationwide<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"State Farm (opens in a new tab)\">State Farm<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"USAA (opens in a new tab)\">USAA<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternative ways to insure your pit bull<\/strong><\/h2>\n\n\n\n<p>If your chosen homeowners insurance provider will not provide coverage for your pit bull, you may have other options. One is umbrella insurance.&nbsp;Other practical paths include a stand\u2011alone comprehensive personal liability (CPL) policy, a canine\/animal\u2011liability endorsement or buy\u2011back on your homeowners or renters policy, or a specialty\/excess policy when admitted carriers decline. Availability, limits, and conditions vary; read endorsements closely to see whether animal liability is included, excluded, or sublimited (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/dog-bite-liability\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<p>Before bringing a pitbull or other dog breed into your home, speak with your homeowners insurance company or agent to see how they approach coverage for dogs. In breed\u2011neutral states like <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">New York<\/a>, <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">Connecticut<\/a>, and <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">Oregon<\/a>, carriers cannot use breed alone; they may ask about bite history or require risk controls (training certificates, secure fencing, muzzling\/leash warranties). In other states, practices vary widely (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>).<\/p>\n\n\n\n<p>Dog owners also should socialize their pet, which can help prevent their dog from biting. \u201cSocializing your pet helps your dog feel at ease in different situations,\u201d Worters says. \u201cBy introducing your dog to people and other animals while it\u2019s a puppy, it feels more comfortable in different situations as it gets older.\u201d&nbsp;These responsible\u2011ownership steps align with veterinary guidance that any dog can bite and that supervision, training, and husbandry are key (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>).<\/p>\n\n\n\n<p>In addition, practice responsible pet ownership by not subjecting your dog to situations that could result in a dog bite. \u201cUnder certain circumstances, any dog might bite, regardless of breed,\u201d Worters says. \u201cDogs bite for a variety of reasons, but most commonly as a reaction to something.\u201d These could include:<\/p>\n\n\n\n<ul><li>The dog is trying to defend itself or its territory<\/li><li>It is scared, startled or feels threatened<\/li><li>Is trying to protect something of value, such as their puppies, their food, a toy or their bed<\/li><li>Illness<\/li><\/ul>\n\n\n\n<p>Many dogs also like to nip and bite during play, which should be discouraged. \u201cEven though nipping during play might be fun for the dog, it can be dangerous for people,\u201d Worters says. \u201cIt\u2019s a good idea to avoid wrestling or playing tug-of-war with your dog. These types of activities can make your dog overly excited, which may lead to a nip or a bite.\u201d&nbsp;Reinforcing calm play and supervision can reduce risk factors cited by veterinarians (<a href=\"https:\/\/www.avma.org\/resources\/pet-owners\/dog-bite-prevention\">AVMA<\/a>).<\/p>\n\n\n\n<p>If your chosen homeowners insurance provider will not provide coverage for your pit bull, you may have other options. One is umbrella insurance.&nbsp;In tougher cases (e.g., prior bite history or a policy with an animal\u2011liability exclusion), an agent may place a stand\u2011alone comprehensive personal liability policy or excess\/surplus\u2011lines personal liability; where legally required after a \u201cdangerous dog\u201d designation, a surety bond or proof of financial responsibility may be needed to comply with local law (see, for example, <a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/HS\/htm\/HS.822.htm#822.042\">Texas statute<\/a>).<\/p>\n\n\n\n<p>Umbrella insurance is personal liability insurance that covers claims that exceed regular homeowners insurance coverage. It covers the policyholder, as well as other members of the household. Some umbrella insurance policies may exclude dog accidents.&nbsp;Confirm whether animal liability is covered before you bind, and whether any dog\u2011related exclusions on your underlying homeowners or renters policy affect umbrella eligibility (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Another option you have is canine liability insurance, which covers accidents caused by dogs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Umbrella policy<\/strong><\/h3>\n\n\n\n<p>You can get <a href=\"https:\/\/www.geico.com\/information\/aboutinsurance\/umbrella\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">umbrella insurance<\/a> for coverage when your policy limits are exhausted, or for claims that are excluded by other homeowners liability policies. Umbrella insurance covers injuries, property damage, certain lawsuits, and personal liability situations. Verify whether animal liability is included or excluded and whether your underlying policy\u2019s dog coverage is required for the umbrella to respond (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Canine liability insurance<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.xinsurance.com\/risk-class\/animal-liability\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Canine liability insurance<\/a>, also called animal liability insurance or pet liability insurance, provides coverage for injuries caused by your dog or pet. This type of coverage compensates victims, not you or members of your household. Availability, underwriting, and limits vary by state and carrier; some stand\u2011alone comprehensive personal liability products also include dog incidents when eligible (e.g., via specialty markets).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do pit bulls increase your rates?<\/strong><\/h3>\n\n\n\n<p>It depends on your insurer and state. Some carriers\u2014most notably <a href=\"https:\/\/newsroom.statefarm.com\/national-dog-bite-prevention-week-2024\/\">State Farm<\/a>\u2014do not use breed in underwriting. Others may apply exclusions, sublimits, or surcharges for certain dogs where permitted (<a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>). In states like <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/homeowners_insurance\/dogs\">New York<\/a>, <a href=\"https:\/\/portal.ct.gov\/CID\/Consumer-Resources\/Homeowners-Insurance-and-Dog-Breeds\">Connecticut<\/a>, and <a href=\"https:\/\/olis.oregonlegislature.gov\/liz\/2023R1\/Measures\/Overview\/HB2683\">Oregon<\/a>, insurers cannot rate or underwrite solely on breed; they may consider a specific dog\u2019s documented history. The same concepts commonly apply to renters insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do I need to tell my insurance company I got a dog?<\/strong><\/h3>\n\n\n\n<p>Yes. If you fail to inform your insurance provider that you have a dog, it may deny your claim due to misrepresentation or an undisclosed material risk. Disclosure lets your agent confirm whether animal liability is covered, excluded, or limited and add endorsements if needed\u2014for homeowners or renters policies (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How much is insurance on a pit bull?<\/strong><\/h3>\n\n\n\n<p>The answer depends on your insurer, state law, and your dog\u2019s individual history. Nationally, dog\u2011related liability claims averaged in the low\u2011$60,000s per claim in 2024\u2014illustrating why carriers scrutinize this risk (<a href=\"https:\/\/www.iii.org\/press-release\/dog-bites-and-related-injuries-cost-insurers-over-1-billion-in-2024\">Triple\u2011I<\/a>). Ask whether animal liability is covered or capped (typical sublimits $10,000\u2013$50,000) and whether an endorsement can raise limits. You can get a free homeowners insurance quote from <a href=\"https:\/\/www.statefarm.com\/insurance\/quotes\/homeowners-quote\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">State Farm online<\/a>, as well as get homeowners insurance quotes online from <a href=\"https:\/\/www.allstate.com\/landingpages\/lsp\/home-desktop-quote.html?CMP=KNC-GG-HHQ-034065-150407:allstate+homeowners+quote&amp;TFN=18552691186&amp;CAMPAIGN=444490000034065&amp;affcode=p5876532059&amp;ds_rl=1261798&amp;gclid=CjwKCAjw5Ij2BRBdEiwA0Frc9X0vppNsQ0eDYiu1RaxkydClBmt3tIQ33bFdtBIK27aCQieoU8Ds5hoCbUYQAvD_BwE&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Allstate<\/a>, <a href=\"https:\/\/www.amica.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Amica<\/a>, <a href=\"https:\/\/www.chubb.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Chubb<\/a>, <a href=\"https:\/\/www.nationwide.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Nationwide<\/a>, and <a href=\"https:\/\/www.usaa.com\/inet\/wc\/insurance_home_condo?ds_s=CPC&amp;ds_e=GOOGLE&amp;ds_ag=Homeowners+General&amp;ds_k=usaa+homeowners+insurance&amp;txid=SEM:TX1:XBTANNSMZW&amp;ds_rl=1249521&amp;gclid=CjwKCAjw5Ij2BRBdEiwA0Frc9ZjwQp5e9FwPC11zoHfSQ90zBS0_eU4EeIKVQzHkS-CtHkh0ikJc4BoCtZsQAvD_BwE&amp;gclsrc=aw.ds&amp;akredirect=true\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">USAA<\/a> to compare. For renters, breed\u2011neutral carriers like <a href=\"https:\/\/www.lemonade.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Lemonade<\/a> publicly state they do not restrict or surcharge solely due to breed; verify terms in your state.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fast facts about pit bulls and home insurance: Whether a pit bull affects your price or eligibility depends on your insurer and your state. Several states now prohibit breed\u2011based underwriting or pricing in homeowners (and often renters) insurance\u2014insurers must focus on a dog\u2019s individual history instead (for example, New York, Connecticut, Oregon). Advocacy trackers show [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":348521,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Owning a Pit Bull Increase Home Insurance Premiums? What Owners Should Know | Reviews.com<\/title>\n<meta name=\"description\" content=\"Some insurers may not provide coverage for pit bulls at all, while others may just charge a higher premium to provide coverage. What should pit bull owners know about homeowners insurance? 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