My Homeowners Insurance cancelled me because I have a Pit bull?

Question

My Dog is sweet as ever and wouldn't hurt anyone, why do Insurance do this to homeowners?

Answer 1

Because 90% of liability claims paid out on homeowners policies are dog bites. And 75% of those dog bites are one of five breeds - including pit bulls.

So, insurance companies don't want to give liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds. Yes, little dogs bite more, but they don't do the damage.

I know of ONE homeowners company that will write a policy with a dog exclusion - Foremost Insurance. www.foremost.com to find an agent near you. The exclusion means, if your dog bites, you pay everything out of pocket. No exceptions.

Answer 2

Yes, it is possible. I do not know what insurance co you have for your homeowner, but there are some company will give you a quote for your homeowner policy.

You have to take an animal exclusion for your homeowner. Which means the insurance company will not cover your liability related with any animal including your pit bull.

Check this site;

http://www.insureme.com/?Refby=614785

You will get the several quotes from the site then ask for the animal exclusion for your homeowner policy, and then you may get the home insurance.

Answer 3

The insurance agent typically asks you if you have any dogs, the breed, and their past bite history. Even if they don't ask prior to the policy inception, most insurers have the ability to cancel you later down the line. Several states' insurance commissioners have banned insurers from denying coverage to homes based on the breed of the dog. It's no secret that pit bulls have a bad reputation for being aggressive, although there are many sweet ones. Some companies will deny you coverage, some will exclude claims that arise from the dogs, and some will charge extra to cover the breed. The insurer I work for will not accept you unless you live in Michigan (where it is illegal to decline coverage for a specific breed of dog), but you may want to try State Farm, Fireman's Fund, or even Lloyd's of London. It may be hard to find coverage, but there is an insurer out there to provide you coverage. Each state has an assigned risk plan for people who can't find an insurer to accept them. You would have to contact the state insurance department and they will assign you an insurer who has to provide coverage, no matter the risk.

Answer 4

Because the insurance company is unwilling to take on the liability for this dog. These dogs can do tremendous damage and can also kill.

I used to show dogs and I know that nurturing makes a world of difference in the temperament of individual dogs. Unfortunately there are unscrupulous people out there who breed indiscriminately and of course, there are those who WANT them to be aggressive. Its a shame that all dogs of certain breeds, and its not just pit bulls, get labeled viscious. Having said this, I am also in the insurance industry, and have seen and read about claim after claim where companies have paid out tons for dog liability. Many breeds bite; it would be kind of difficult to get hurt really badly by say, a chihuahua.

Answer 5

Insurance companies do not want to insure anyone that owns a pitbull. I read the answer from the person who is studying to be an agent. When you go to another company you HAVE to disclose the fact that you own a pitbull. All companies will ask if you have pets, the breed and if they have ever bitten anyone. If you decide to lie and say that you do not own a pitbull and there is a claim, the company can deny the claim because there was a material misrepresentation (lie) on the application. They would then deny the claim and then cancel your insurance.

Answer 6

Because of the statistics of dog bites - some breeds are supposedly more apt to bite than others. (Even though any responsible dog owner knows it's not the dog breed, it's the owner, that makes a mean dog.)

Some communites (especially condos, and planned communites) actually ban certain breeds of dogs - like Dobies, Rotties, Pits, and German Shepards... Even though, everyone knows it's the little ankle biters like Mini Pinschers and Chiauhuas and Yorkies bite more than others.

Answer 7

Certain breeds of dogs are marked as being high risk because of aggressive nature "in general". That doesn't mean your dog is aggressive, but they just have a lot of problems with the breed being aggressive. Sorry about your insurance. Start shopping around, and good luck.

Answer 8

Yup. That's because your dog is the exception. They are too much of a liability from a law suit for the insurance industry.

Answer 9

i am training to become an insurance agent. The reason why they care so much is because its a dangerouse breed of dog... also roitweilers, dohbermans, chow chows. any breed that is overly agressive can cause problems with neighbors, or potentially bite or cause harm to people.... i know it sucks i have a pit of my own, i just didnt disclose him in my report.

Answer 10

because they are a HUGE liability. Ask your insurance agent if your company will let you sign a dog exclusion on the animal. I have one company that will, so check it out.