A standard homeowner\u2019s insurance policy<\/a> offers coverage for injuries caused by most dogs under the personal liability and the \u201cmedical payments to others\u201d provisions of your policy. A homeowner\u2019s policy doesn\u2019t cover your injuries or your family member\u2019s injuries. <\/p>\n\n\n\n It only pays for injuries to others. It is liability insurance, so if your dog damages your home or property, that also may not be covered. But if your dog damages someone else\u2019s property, like a neighbor\u2019s, then your insurance may cover it. <\/p>\n\n\n\n Some insurance companies will not cover Pitbulls or other dogs that may be labeled as dangerous breeds. <\/p>\n\n\n\n So what are the dog breeds that are on the insurance blacklist, and why? Certain dog breeds are responsible for a high number of dog bite claims, and because dog bites are so prevalent, insurance companies do everything possible to limit their risk. That can include excluding certain dog breeds from coverage. The list may vary slightly, depending on the carrier, but the following breeds of dog are generally considered high-risk:<\/p>\n\n\n\n Pit bulls, Rottweilers, and wolf hybrids are more likely to have a severe restriction or be prohibited altogether. <\/p>\n\n\n\n Yes. The law does not prohibit insurance companies from discriminating based on breed.<\/p>\n\n\n\n If you are having trouble securing homeowners insurance because you have a dog breed on the blacklist, don\u2019t give up. Not all insurance companies will discriminate based on the type of dog you own. Finding homeowner\u2019s insurance that will cover your pet will require a lot of research. <\/p>\n\n\n\n Fortunately, InsureOne does this research for you. We work with the major insurance companies in the country and can compare quotes from all of them for you. We can find an insurance company that can cover your home and your dog. <\/p>\n\n\n\n Breed-specific legislation, also known as BSL, is a law that bans or restricts certain types of dogs based on their breed to decrease dog attacks on humans and other animals. A majority of the states in the U.S. either have BSL or allow BSL in some form. If you think your state has a BSL<\/a>, you can search online to learn more.<\/p>\n\n\n\n Your homeowner\u2019s policy has a liability limit that will cover up to a certain amount. Your liability limit is the amount available to cover anything from a dog bite to your guest falling down the stairs. To calculate the amount of coverage you need, think about how much it may cost for medical or legal expenses. Since medical expenses alone can be six figures, it\u2019s best to go as high as you can comfortably afford. <\/p>\n\n\n\n If you want to make sure you have adequate coverage, consider purchasing an umbrella policy<\/a>. This is an added layer of protection that provides a higher level of coverage to protect you from unexpected incidents with your dog.<\/p>\n\n\n\n InsureOne provides quality homeowners insurance and townhouse insurance. We provide coverage that protects you, your family, and your pets. Call 800-836-2240<\/a> to speak to an experienced agent who can help you find the coverage that best suits your needs. Don\u2019t have time for a phone call? Get your free homeowner\u2019s insurance quote online.<\/a><\/p>\n\n\n <\/p>\n\n\nDoes Homeowners Insurance Cover Pitbulls?<\/strong><\/h2>\n\n\n\n
Dog Breeds Insurance Blacklist<\/h2>\n\n\n\n
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Is it Legal for Insurance Companies to Deny or Cancel Insurance Coverage Because of the Type of Dog You Have?<\/h2>\n\n\n\n
What Can You Do If Your Dog is on the Blacklist?<\/h2>\n\n\n\n
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<\/figure>\n\n\n\nState Dog Breed Restrictions<\/h2>\n\n\n\n
How Much Coverage Will I Need?<\/h2>\n\n\n\n
Free Homeowners Insurance Quote<\/h2>\n\n\n\n