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| pitbull home insurance |
My Pitty won't hurt the neighbor's cat, not even a fly. But when it comes to Pitbull home insurance, agencies can be hard to convince. Owing to the bad rap that Pitties received due to stereotypes, landlords and tenants are now required to take out special insurance. Even with creeping exclusions, there are a few insurance companies that cater to this breed.
For some, Pitties are too dangerous and can act aggressively in any situation. We all know that this is not the case. However, this makes Pitbulls a bit expensive to insure, not to mention the possibility of being blacklisted by the insurer. Pit bulls are generally included in the tastes of wolf breeds in terms of wickedness.
But thank God there are flexible and open insurance companies that offer both home and tenant insurance covering Pitbulls. Here I will discuss five of the best options for your doggo.
THE PITBULL INSURANCE PRICE
All dogs, not just pit bulls, can cause costly problems. Payments for bites and related physical injuries can reach $ 33,000, according to the Insurance Information Institute study. While many recognize that any race could inflict the same level of harm, insurers seem to discriminate against Pitbulls. They often associated the breed with a higher risk, therefore at a high cost.
Since false information about Pitbulls is still circulating, insurance companies believe that Pitties are more likely to bite than "friendlier" breeds like Golden Retrievers or Pugs.
Insurers are so aware of dog bite statistics.
It is true that a dog bite occurs in the United States every 75 seconds and that half of these happen to children. However, there is no solid evidence that Pitties are the common culprits.
However, we understand that each insurance company will have its own rules. They have the discretion to identify which breeds are aggressive or not. And all the same, as owners of Pitbull, we have no defense if they exclude our pets from their cover.
WHY AND HOW COMPANIES RESTRICT PITBULL INSURANCE
There are two common scenarios for liability insurance. First, the agency will not issue you a policy once you have declared that you own a Pitbull. Second, they will provide pet insurance coverage, but with very strict stipulations on which and which are not covered. Most of the time, the most expensive stuff is not included. Still, it's the best thing our Pitties can have.
Please note that if Esurance is your insurer, they will refuse you coverage only because your dog is a Pit Bull. If you already have a landlord or tenant insurance, you need to check if it covers Pitbulls. Make sure they include dog bites on their policy; otherwise, it offers very little help.
The silver lining here is that there are a few companies that will provide full coverage but at a higher cost. The exact price will vary depending on the rates offered by your insurer.
Another good news is that in states like Pennsylvania and Michigan, it is illegal for insurance companies to deny an owner coverage based on the breed of dog.
They are also not allowed to cancel coverage, which provides more security for you and your dog. But unless your state prohibits blacklisting, you should check whether the insurance agency will cancel or refuse payments in the event of serious injury and damage.
PITBULL INSURANCE TENANTS
Tenants' insurance has almost the same policy as that of landlords. The insurance agency has the power to refuse or cancel coverage when it knows you have a Pitbull. You must ask whether the agency will host the Pitbulls or not and what their conditions are if they can provide coverage. If they refuse, you may need to look for another company with a more inclusive offer.
Another difficulty that tenants face is the conditions of their owners regarding the possession of animals. Many owners prohibit Pitbulls on their property. So even with decent insurance, other factors may not be under your control as a tenant.
HOW TO OBTAIN INSURANCE FOR YOUR PITBULL
You don't have to give up hope if you can't find insurance coverage for your Pitty right now. Below, I have reviewed 5 insurance companies that host Pitbulls. But for now, here are some points to get an insurance policy for your pet:
ADD FINE PRINT
Chances are you already have existing insurance. Check the policy before making your next move. Look for provisions regarding dog ownership and breeds excluded from coverage. You are lucky if your insurer accepts all breeds and conditions such as dog bites and other physical injuries caused by attacks.
The best personal liability insurance is one that has a limit of $ 100,000 and more. Anyway, going a little lower to 80,000 is not that bad.
SHOP AROUND
Unfortunately, these days most insurance companies refuse coverage when they know you have a Pitty. Take your time to shop around and look for insurance companies that work with high-risk breeds. If the manual search is of no use to you, join the forums and ask for recommendations.
One sure way to find an insurance agency that covers Pitbulls is to ask someone who has the same breed or one of the so-called "dangerous dogs". You can also hire an independent agent who will search the insurance agencies for you.
HOW TO COVER YOUR PITBULL
One consolation I discovered during my hunt for Pitbull insurance is that some agencies will make an exception to their rule. If you can prove that your Pitty has excellent obedience and good behavior, he can get around the rule and include your pet in insurance.
Although this is a rare event, it is worth your while to increase your chances by doing the following:
OCSOCIALIZE AND TRAIN YOUR PET
Pit bulls are known to be tough dogs. But if you start early with obedience training and socialization, they can be careful. One of the programs recognized by many insurance companies is the American Kennel Club's Canin Good Citizen program.
In this program, AKC will teach responsible dog ownership and obedience techniques.
Obtaining this certification from AKC can offer you an insurance reduction or give you a ticket for personal liability insurance.
Some companies view this certification as the only exception to their non-aggressive dog rule.
UNDER YOUR PET
Not all Pitbull owners are open to this suggestion. But if you want to give your insurer solid proof that your doggo is unlikely to bite, sterilization or sterilization is a guaranteed way. There is no doubt that sterilization will decrease the aggressiveness of a dog. In 2009, approximately 94% of fatal dog attacks involved unchanged male dogs.
PITBULL-FRIENDLY INSURANCE COMPANIES
After doing my own research, here are five insurance companies adapted to Pitbull that will cover your pet via home insurance or canine liability insurance.
FEDERATION OF INSURED DOG OWNERS (F.I.D.O.)
FIDO canine liability insurance covers all breeds of dogs through its partner agency, Dean Insurance. As an independent insurance company, this agency offers no deductible and is available in all states except Alaska.
The good thing about their canine liability insurance is that it can be extended as full home or tenant insurance. If you wish, you can add your property or owner to their coverage. Dean Insurance also covers dog bites as long as you report it within 10 days of the incident.
Many pet owners are satisfied with Dean Insurance's non-discrimination with "dangerous" dogs. With or without the AKC certification that I mentioned above, you and your pet will benefit from coverage.
Apart from that, the Federation is dedicated to promoting the responsible property. They provide education to animal-focused groups and the general public to ensure human and canine security.
INSUREMYK9
Some of the conditions covered by InsureMyK9 are dog bites, damage to dogs and injuries caused by barking or jumping dogs. Note however that this is only liability insurance for pets and not full home insurance like that offered by FIDO. Still, it's a great choice as they will pay for medical costs, lawsuits, and property damage.
InsureMyK9 can settle up to $ 30,000 per claim. This way you can avoid out of pocket expenses in case your Pitty hurts others.
Depending on the situation, they will also cover your dog even if he has a history of aggression or bites.
However, the cost will be higher but still covered.
If you have multiple Pitties, you must call them so they can assess the additional rates. Since InsureMyK9 has been in the business for 30 years now, this should be competitive enough for you to afford it.
EINHORN INSURANCE AGENCY
Einhorn promises not to discriminate against any breed of dog when it comes to their insurance policies. And it's true, their “Chief Barking Officer” is a Pitty. Since the people behind the business are themselves Pitbull owners, rest assured that your doggo will receive fair treatment. In addition, they offer inclusive coverage to save dogs.
Their general liability insurance covers dog bites and other injuries caused by the assault. But the good thing is that Einhorn recognizes that not all injuries to dogs are caused by attacks.
When your Pitty gets excited when she sees a neighbor, she can zoom in too quickly and knock the other person down. They also cover these types of injuries.
And even if they don't have tenant insurance covering Pitbulls, they do offer liability insurance to homeowners. Overall, they can pay up to $ 40,000 per claim. If you own a breed according to the usual types of “blacklist”, Einhorn is the ideal insurance company.
FEDERATION OF INSURED DOG OWNERS (F.I.D.O.)
FIDO canine liability insurance covers all breeds of dogs through its partner agency, Dean Insurance. As an independent insurance company, this agency offers no deductible and is available in all states except Alaska.
The good thing about their canine liability insurance is that it can be extended as full home or tenant insurance. If you wish, you can add your property or owner to their coverage. Dean Insurance also covers dog bites as long as you report it within 10 days of the incident.
Many pet owners are satisfied with Dean Insurance's non-discrimination with "dangerous" dogs. With or without the AKC certification that I mentioned above, you and your pet will benefit from coverage.
Apart from that, the Federation is dedicated to promoting the responsible property. They provide education to animal-focused groups and the general public to ensure human and canine security.
INSUREMYK9
Some of the conditions covered by InsureMyK9 are dog bites, damage to dogs and injuries caused by barking or jumping dogs. Note however that this is only liability insurance for pets and not full home insurance like that offered by FIDO. Still, it's a great choice as they will pay for medical costs, lawsuits, and property damage.
InsureMyK9 can settle up to $ 30,000 per claim. This way, you can avoid paying in case your Pitty hurts others.
Depending on the situation, they will also cover your dog even if he has a history of aggression or bites.
However, the cost will be higher but still covered.
If you have multiple Pitties, you must call them so they can assess the additional rates. Since InsureMyK9 has been in the business for 30 years now, this should be competitive enough for you to afford it.
EINHORN INSURANCE AGENCY
Einhorn promises not to discriminate against any breed of dog when it comes to their insurance policies. And it's true, their “Chief Barking Officer” is a Pitty. Since the people behind the business are themselves Pitbull owners, rest assured that your doggo will receive fair treatment. In addition, they offer inclusive coverage to save dogs.
Their general liability insurance covers dog bites and other injuries caused by the assault. But the good thing is that Einhorn recognizes that not all injuries to dogs are caused by attacks.
When your Pitty is excited when she sees a neighbor, she can zoom too quickly and knock over the other person. They also cover these types of injuries.
And even if they don't have tenant insurance covering Pitbulls, they do offer liability insurance to homeowners. Overall, they can pay up to $ 40,000 per claim. If you own a breed according to the usual types of “blacklist”, Einhorn is the ideal insurance company.