Top Homeowners Insurance Provider That Allows All Breeds of Dogs [2024]
Homeowners insurance policies offer liability to cover incidents like dog bites and attacks. Many insurance companies refuse to cover certain breeds of dogs. Which homeowners insurance companies allow all breeds of dogs?
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Owning a dog can be an incredible experience. But certain homeowners insurance companies will not offer coverage for certain breeds of dogs. For example, if you own a Pitbull, Rottweiler, Doberman, or another breed of dog that is considered relatively dangerous, you may have a hard time finding coverage for your pet.
Because homeowners insurance policies offer liability to cover incidents such as dog bites and attacks, many insurance companies refuse to cover certain breeds of dogs that are more likely to harm someone. But which homeowners insurance companies allow all breeds of dogs? Unfortunately, you may have to do some digging to find the answer.
If you’re in need of new homeowners or pet insurance, our free online quote tool is here to help. Just enter your ZIP code above to find affordable insurance options near you.
What homeowners insurance companies do not discriminate against dogs?
While many companies restrict specific dog breeds, there are a few that do not. The most popular, well-known insurance companies that do not restrict specific dog breeds are USAA and State Farm.
Outside of USAA and State Farm insurance, other companies that do not restrict specific dog breeds include:
- Amica
- Auto-Owners
- Chubb
- Farmers (in some states)
- Toggle (in some states)
Rather than refusing coverage because of your dog’s breed, these companies often evaluate your dog’s behavior to determine whether you are eligible for homeowners insurance. Any one of these providers on the list will offer homeowners insurance to owners with Dobermans, Pitbulls, or Rottweilers.
If you have ever had to file a homeowners insurance claim because of a dog bite or dog attack, you can expect that your insurance company will not renew your policy. Likewise, other companies will know you filed the claim and could be hesitant to offer you coverage. But if you have had your dog for years and there has never been a problem, you may be a candidate for homeowners insurance coverage.
Read more: Auto-Owners Auto Insurance Review
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Does AAA allow all breeds of dogs?
In most instances, larger insurance companies, such as AAA and Progressive, do not restrict against breeds of dogs. Instead, these companies care about your dog’s specific nature and whether you have ever had to file a claim because of your dog in the past.
You will not find AAA homeowners insurance dog breed restrictions listed online, but this does not mean there aren’t any AAA insurance dog breed restrictions. In some states, AAA may allow all breeds of dogs, while in other states, the company may have a specific AAA dog policy based on breeds.
If you are interested in purchasing homeowners insurance, you can call the company and speak with an agent to see if there is an AAA homeowners insurance dog list available.
Does Progressive home insurance cover Pitbulls?
The Progressive website states that certain companies allow all breeds of dogs while others may decline coverage if you own a breed that is considered dangerous, like a Pitbull.
While Progressive’s website does not clarify whether the company will offer homeowners insurance to someone who owns a Pitbull, you can easily find out by calling or getting an online quote for homeowners insurance. You will be asked whether you have a dog and what breed of dog you own in either instance.
If you do not receive coverage after you disclose that you own a Pitbull, it may be because of your dog’s breed. You can always speak to a Progressive agent to learn more and explain your unique circumstance if you know you would like to purchase a homeowners insurance policy with the company.
What are the Farm Bureau Insurance dog breed restrictions?
Like Progressive, Farm Bureau does not list any specific breed restrictions online. Instead, the company states that you can speak to a Farm Bureau representative who can discuss any particular limitations because of your dog’s breed.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Why do some insurance companies discriminate against dog breeds?
Insurance companies discriminate against dog breeds because they are more likely to harm someone or cause an injury. These animals pose more of a risk to insurance companies because of the liability coverage that goes along with a homeowners insurance policy.
Liability protection in a homeowners insurance policy protects you and your family against bodily injury or property damage lawsuits. Among other things, this includes paying for injuries or damages your dog causes.
Home insurance companies that accept Pitbulls may be few and far between because Pitbulls are more responsible for dog bites than any other dog breed. Similarly, there may not be many homeowners insurance companies that allow Dobermans for the same reason.
If you go with a bigger company, you will be more likely to find insurance companies that don’t discriminate against dog breeds. But if you are interested in a local insurance company for homeowners insurance coverage, you might have a hard time finding coverage for your dog.
Can you get renters insurance with any breed of dog?
What insurance companies allow Pitbulls? What about Rottweilers and Dobermans? The same companies that offer homeowners insurance also tend to provide renters insurance. So if an insurance company discriminates against dog breeds with a homeowners insurance policy, it will probably do the same with renters insurance coverage.
Some companies, like Toggle, offer renters insurance without breed restrictions in some states. But you will probably have to contact the company directly to determine whether your dog would be covered based on where you live, the amount of coverage you want, the breed of dog you have, and more.
How much is homeowners insurance with a dog?
The amount you will pay for homeowners insurance depends on several factors. Some of the most common factors that impact the cost of homeowners insurance include:
- Where you live
- The age and condition of your home
- The amount of coverage
- Your credit score
- Whether you own pets
- Your deductible
The table below shows each state’s average monthly and annual homeowners insurance rates.
[table “355” not found /]
You may find that owning a dog causes your rates to be higher than your state’s average. But an insurance company that has breed restrictions will not simply charge you more for your homeowners insurance coverage. Instead, the company will deny you homeowners insurance coverage altogether.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
How can I save on homeowners insurance with a dog?
Even if you find insurance companies that allow Pitbulls, you may still find that your rates are high based on the factors listed above. To see if you can lower your monthly insurance rates, you can ask the company whether you qualify for any discounts.
Some standard discount options for homeowners insurance coverage include:
- Bundling
- Security
- Home improvement
- Loyalty
- Claims-free
- New homebuyer
- Early signing
If you believe you qualify for a discount on homeowners insurance, you can ask any company you’re considering how much you could save with a discount. Most discounts can help clients save anywhere from 5% to 20% on coverage.
Case Studies: Top Homeowners Insurance Provider That Allows All Breeds of Dogs
Case Study 1: Homeowners Insurance Company Amica – Welcoming All Dog Breeds
In this case study, we explore the experience of a homeowner who owns a German Shepherd, a breed that is often subject to breed-specific restrictions by insurance providers. Homeowners Insurance Company Amica stands out as a top provider in 2023, offering coverage to all dog breeds without discrimination.
This case study highlights the homeowner’s positive experience in obtaining comprehensive homeowners insurance coverage for their beloved German Shepherd. (read our “Where can I get homeowners insurance coverage for a German Shepherd?” for more information).
Case Study 2: Homeowners Insurance Provider Progressive – Embracing Dog Diversity
This case study delves into the story of a homeowner who has a mixed breed dog, which can face challenges when it comes to securing homeowners insurance coverage. However, Homeowners Insurance Provider Progressive, known for its inclusive policies, proves to be an ideal choice for this homeowner.
The case study discusses the homeowner’s journey of finding a homeowners insurance provider that accommodates their mixed breed dog without imposing breed-based restrictions.
Case Study 3: Homeowners Insurance Company CHUBB – Ensuring Protection for All Dog Owners
In this case study, we examine the experience of a homeowner who owns a Staffordshire Bull Terrier, a breed commonly categorized as a “bully breed” and often subject to breed exclusions by insurance companies. Homeowners Insurance Company CHUBB emerges as a leading provider that embraces all dog breeds, regardless of their perceived risks.
The case study sheds light on the homeowner’s positive experience in securing reliable homeowners insurance coverage for their Staffordshire Bull Terrier.
Case Study 4: Homeowners Insurance Provider Farmers – Empowering Responsible Dog Owners
This case study explores the journey of a responsible dog owner who has multiple dogs of various breeds. With many insurance providers limiting coverage based on specific dog breeds, finding suitable homeowners insurance can be a daunting task.
However, Homeowners Insurance Provider Farmers sets itself apart by embracing responsible dog ownership and accommodating all breeds. The case study outlines the homeowner’s satisfaction in obtaining comprehensive coverage for their diverse pack of dogs.
Homeowners Insurance and Dog Breeds: The Bottom Line
If you have a certain breed of dog, you may have difficulty finding homeowners insurance coverage. Ultimately, you will need to shop around for coverage to find companies that will not decline to offer you coverage based on your dog’s breed.
To save money on coverage, you can compare quotes from multiple companies and ask about specific discounts for which you may be eligible. Just type in your ZIP code into our free quote tool to begin saving today.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Frequently Asked Questions
Are there homeowners insurance providers that allow all breeds of dogs?
Yes, there are homeowners insurance providers that do not have breed restrictions and are open to insuring all breeds of dogs.
Can you provide information about some of the top homeowners insurance providers that allow all breeds of dogs?
Certainly! Here are some top homeowners insurance providers known for their inclusive approach towards dog breeds:
- Allstate: Allstate is a well-known insurance provider that generally does not have breed restrictions for homeowners insurance. However, they may still consider other factors, such as a dog’s bite history or aggressive behavior, when determining coverage.
- State Farm: State Farm is another reputable insurance company that typically does not have breed-specific restrictions for homeowners insurance. They focus more on an individual dog’s behavior and claims history rather than breed.
- Chubb: Chubb is a high-end insurance provider that is known for offering coverage to all breeds of dogs. They emphasize evaluating each dog’s behavior and training rather than imposing breed-specific restrictions.
- USAA: USAA primarily serves military members and their families. They generally do not have breed restrictions and assess each dog on an individual basis for homeowners insurance.
- Farmers Insurance: Farmers Insurance is known for having a more lenient approach towards breed restrictions and may offer coverage to a wide range of dog breeds.
What factors do insurance companies consider when insuring homes with dogs?
While specific factors may vary between insurance companies, some common factors that insurers consider when insuring homes with dogs include:
- Dog’s bite history: Insurers may inquire about any past incidents or claims related to your dog’s behavior, including bites or aggression.
- Dog’s training and behavior: Some insurers may consider the dog’s training, behavior, and whether it has undergone obedience classes or behavioral assessments.
- Claims history: Insurance companies may assess if there have been previous claims or incidents related to dog-related property damage or liability.
- Dog’s breed: Although there are providers that do not have breed restrictions, some insurers may still consider the breed as a factor when assessing risk.
- Liability coverage limits: Insurers may have limitations on the amount of liability coverage provided for dog-related incidents. It’s essential to review the policy details to ensure appropriate coverage.
What should I do if my dog’s breed is not allowed by my current homeowners insurance provider?
If your current homeowners insurance provider does not allow your dog’s breed, there are a few options you can consider:
- Shop around for a different insurance provider: Look for insurance companies that are known to be more inclusive and don’t impose breed restrictions. Reach out to multiple providers to find one that suits your needs.
- Consult with a specialized insurer: Some insurance providers specialize in insuring homes with specific dog breeds or breeds commonly excluded by other insurers. They may be able to offer coverage tailored to your needs.
- Consider a separate dog liability insurance policy: In addition to your homeowners insurance, you can explore standalone dog liability insurance policies that focus specifically on covering dog-related incidents and liability.
- Seek professional advice: Consulting with an insurance agent or broker who specializes in homeowners insurance can provide you with expert guidance on finding the right coverage for your dog and home.
Can my homeowners insurance policy be canceled or denied if I have a dog?
It is possible for a homeowners insurance policy to be canceled or denied if you have a dog, especially if the dog has a history of aggressive behavior or has been involved in incidents. Insurance companies assess risks associated with dog ownership, and certain factors may lead to policy cancellation or non-renewal. However, there are many insurance providers that are more lenient and do not discriminate based on dog breeds. It’s important to disclose your dog ownership to your insurance provider to ensure proper coverage and avoid any potential issues.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.