Breed Discrimination: Homeowner’s Insurance

Unfortunately, many pit bull owners are faced with a type of breed bias that comes in the form of insurance companies that will not cover their dogs under their homeowners insurance policies. However, contrary to popular belief, these insurance company restrictions, known as “blacklists,” do not only apply to pit bulls. The following breeds are commonly blacklisted by insurance companies:

American pit bull terriers
American Staffordshire terriers
Bull terriers
Wolf hybrids
Doberman pinschers
Olde English bulldogs
German shepherds
Siberian huskies
Alaskan malamutes
Presa canarios
Great Danes
Saint Bernards

The approach to insuring homeowners with dogs varies from city to city and state to state. In Michigan and Pennsylvania, home insurance companies are prohibited by state law from discriminating against certain dog breeds. Adding to the confusion for those searching for coverage, the decision on whether or not to write a policy to owners of certain breeds can also vary from company to company, and even agent to agent.

Of the larger insurance carriers, the following companies typically do not blacklist dog breeds but, again, its important to remember the decision to provide coverage can vary by individual agent:

State Farm

Farmers Insurance Group **

Travelers Insurance Company

United Services Automobile Association

Fireman’s Fund

Chubb Group

Mercury Insurance Group

Xinsurance Company

**As of March 1, 2013, Farmers Insurance Company will no longer offer coverage to residents in the state of California.

If you are unable to purchase a homeowners insurance policy or umbrella policy through any of the above, you will need to look to a company that specifically offers canine liability policies. A canine liability policy is written specifically for dog owners for the purpose of insuring dogs or people who, for one reason or another, cannot obtain any other coverage. If you find yourself in this situation, we recommend Einhorn Insurance Agency. Enhorn is not only a dog friendly company, but they are very pit bull friendly, and we always encourage pit bull owners to support pit bull friendly companies.

Other companies offering canine liability policies:

Lester Kalmanson Agency

Evolution Insurance Brokers

Eva ReedThe Ohio Insurance Exchange
800.473.1215 Phone
(Serving Ohio, West Virginia, Kentucky and Florida)

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