Pitbull and homeowners insurance?

Question

My insurance company is threating to drop me because I own a bully....can they really do this is there anyway to fight this?

Answer 1

Yes they can do it.  You will find possession of aggressive breeds a common insurance exclusion.

Answer 2

Yes, they can.  Check your policy - there is probably something in there about it.  If there is something in the policy, then there is nothing you can do to fight it.  Sorry!

Answer 3

Absolutely they can

Answer 4

Yep.  And nope.

But there are companies (State Farm, Farmers, Allstate) who do not exclude dogs, any type, as long as they don't have a bite history or are viscous.  

Answer 5

YES THEY CAN

very few companies will insure you if you have a pitbull or similar aggressive dog.  Too many claims.

Answer 6

It happens all of the time and there is zero way to fight it. You might have the most wonderful and sweetest dog on the the planet. But the potential for liability and having a case prosecuted successfully is super high. Just the mention of a Pitt in court and the defendant loses.

The insurance company may choose to drop you legally. You may choose to up your rates but they may later choose to deny the claim.... it is a Pitt.

I appreciate dogs of all kinds. But you have a choice to make. If you get dropped insurance with another company will be tremendous even for straight up home owners insurance. If you add a rider to your current one..... less but still costly.

If you have and are willing to spend much so be it.  

Answer 7

Oh yes they can.  I had a doberman and was threatened with the same thing.  Ended up taking an umbrella policy, costs 275 a year.  That satisfied my homeowners ins. company.  There is a whole list of dogs on the no no list

Answer 8

Yes, they can do this.  No, there's no way to fight it, unless you call your state insurance department and ask.  

If you acquired the dog after the policy was originally written, they can cancel for "increase in hazard".  If you had the dog before the policy was written, and didn't list them on the application, it's "material misrepresentation".  Either one, will allow the insurance company to cancel the policy.

Foremost insurance (www.foremost.com) is the ONLY insurance company I know, that will write a homeowners with a pitt bull.  AND, you have to sign off on the liabiltiy - so dog bites aren't going to be covered.