If you already have an existing home insurance policy and recently adopted a pit bull, check whether your policy has any breed exclusions, and check to see if dog bites are covered on and off your property. Your insurer could have legal grounds to cancel your policy or deny any future claims, even claims unrelated to your pet. It's considered fraud if you don't tell your insurance company you have a dog, especially one on the restricted breed list. Usually you'll need to inform your insurer of your dog's breed and bite history when you first sign up for a policy or when you add a new dog to your home. Yes, you need to inform your home or renters insurance company about any dogs who live at your home. Do I need to tell my insurance company I have a pit bull? You'll need to call to confirm which applies to you. In other states, however, Auto-Owners will limit coverage for incidents caused by pit bulls or outright deny you a policy. In some states, Auto-Owners does not restrict customers from owning pit bulls - in fact, one national company directs customers with pit bulls to Auto-Owners. That's included in the liability protection in your home insurance coverage or renters insurance coverage. For example, if your dog bites a guest or neighbor, they could make a claim through your home insurance to pay for their hospital bills. You'd need to find a resolution with the other person or pay out of pocket for the damage instead.įor dog breeds that aren't on the restricted list, home and renters insurance pays for any damage or injuries your dog causes other people who don't live in your home. That means if your pit bull bites someone or damages their property, you won't be able to make an insurance claim. And nearly every company will deny coverage for dogs who have bitten someone before. Most insurance companies won't deny you a home or renters policy if you have a pit bull, but they won't cover any damage your pit bull causes.įor the most part, home and renters insurance companies include an exclusion for claims that involve so-called restricted dog breeds, including pit bull breeds.
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