Pitbull Friendly Homeowners Insurance - Coverage You Can Trust

Finding the right homeowners insurance can be a challenge. With many companies imposing breed restrictions, it’s often difficult to find coverage that doesn’t discriminate.

However, we believe that all dogs deserve a loving home and protection. Thankfully, there are insurers who share this belief and offer policies without breed bias.

In this guide, we’ve compiled a list of homeowners insurance companies that welcome pitbull owners, making it easier to safeguard both your home and your beloved pet.

(Side Note: Before signing up with any homeowners insurance provider, always check the Ts & Cs and ask any questions you may have beforehand. Although we have extensively researched this topic, it’s always best to contact the company directly.)

 

A list of pitbull-friendly homeowners insurance companies

1. Allstate

 

Allstate is a well-known homeowners insurance provider that does not have breed restrictions. 

Although some insurance companies raise prices or even refuse to pay depending on the dog breed, Allstate takes a more comprehensive approach.  

Rather than have blanket restrictions, Allstate considers each dog's personality, history, and the owner's control over the pet rather than simply segregating by breed. 

Because of this approach, they offer a fair evaluation. The company also has a reputation for great customer service, ensuring dog owners are well-insured.

What does Allstate cover with its homeowner's insurance policy?

Allstates standard home insurance policy covers the following:

• Dwelling coverage 
  This means that the physical structure of your home will be covered. This includes the roof, walls, and attached structures. Their standard policy will also provide coverage against damage or loss from fire, smoke, theft, vandalism, and weather.
  
  
• Liability coverage 
  Liability coverage comes in handy, for example, if you are sued by someone who is accidentally injured on your property. Liability protection can help cover lawyer’s fees, settlement costs, and any other legal expenses that might be incurred.
  
  
• Personal Property Coverage 
  This applies to anything that belongs to you inside your home. This could include furniture, all electronics, and appliances. However, it might not cover things such as antiques or expensive jewelry. 
  
  
• Guest Medical Protection 
  You might need this for any medical expenses incurred by a houseguest on your property. It will cover the cost of X-rays, medical procedures, surgeries, and hospital stays. It’s important to note, though, that guest medical protection has a limit of between $5,000 and $10,000. 

How much does Allstate homeowners insurance cost?

To get the best pricing, you would have to contact them for a quote. Remember, your credit history, type of home, location, and claim history all play a role in the pricing of your homeowner's insurance policies. 

Allstate reviews

According to most Reddit reviews, Allstate is a good choice. Some individuals moved to other insurers for lower pricing, but most dog owners had a positive experience with Allstate overall.  

2. State Farm

 

State Farm is another good choice for homeowners insurance and renters insurance. They don’t have breed-specific restrictions but will rather, based on the history of your unique dog, provide the right coverage. 

They don’t serve all states, though, and remember, different states have different rules regarding bully breeds. 

What does the State Farm insurance company cover?

State Farm insurance companies will help protect your home and budget by providing a personalized quote. 

Their homeowner's policy will provide coverage if someone hurts themselves on your property and for keepsakes. You can also have the peace of mind that your home will be protected if it needs to be repaired or replaced. 

An added advantage is that they also provide pet insurance. So, if you need extra coverage for your beloved pup's medical bills, you can always check out their policies.

How much does State Farm insurance coverage cost?

It really depends from person to person. It’s best to go to their site for a free quote. It depends on factors such as your credit history and whether or not you have things such as smoke, fire, and burglar alarms. 

Some users have stated that State Farm is cheaper than Allstate, though. 

State Farm reviews

Many Reddit users have been happy with State Farm and mention how they did not discriminate based on breed.

Other websites mention that State Farm has a 4.6-star rating out of 5. They are known for their reliability, quality coverage, and dedication to their clients.

3. Chubb

 

Chubb is also one of the insurance companies in the U.S. that don’t have breed exclusions. 

It’s important to note, though, that they will evaluate each dog’s individual behavior and training before finalizing your home insurance.

Chubb is known as a fair insurance company that pays out claims promptly. 

What does Chubb cover in their home insurance?

Various plans are available. For example, the Masterpiece plan from Chubb provides extensive coverage for expensive residences.  

The following are the main points that Chubb covers:

• Coverage of Homes and Other Structures:
  This includes coverage for unattached structures like sheds and fences, as well as replacement and repair of your home's foundation and structure. The replacement cost estimate is the basis of this coverage. A lot of homeowners choose greater limitations, particularly if they own priceless possessions like jewelry or artwork.
  
  
• Loss of Use Coverage:
  Pays for extra living expenses, like food and transportation, if a covered catastrophe renders the house unusable.

What are Chubb's home insurance costs? 

Your insurance premium is mainly determined by where you live, whether or not your state has prevalent natural disasters, and your claims, bill-paying history, your credit score, the specific characteristics of your home, the type of coverage you select, and any other Chubb products you may have that qualify for a discount when bundled.

In order to get an accurate quote, please contact them directly.

Chubb homeowners insurance reviews

Chubb has a 4.1 star rating out of 5, according to Business Insider.

4. USAA

USAA is particularly for families who serve in the military. They are known for their excellent customer service and have no breed restrictions. USAA has been voted as the best insurance company for excellent customer service.

What does USAA cover and do they have renters insurance?

USAA covers most weather-related damages, theft and vandalism, some water damage, and mold. Their homeowner's insurance also covers things such as the structure of your home, personal liability, loss of use, and your personal belongings.

They also offer renters insurance too. So if you own your property but rent it out, you can apply for USAA Rental Property Insurance. 

What’s the cost of USAA?

Once again, you would have to contact the company directly for a personalized quote. The monthly premium depends on several factors, such as the age, size and location of your home. 

USAA review

USAA has excellent reviews according to Market Watch. They score 4.8 stars out of 5 and have been known to be a fair insurance company. 

A few people on Reddit mentioned using them and were happy with the service they received. They also seemed to have scored the highest for affordability and coverage.

5. Auto-Owners

Auto Owners is a home insurance provider that has existed for over 100 years. It has 48,000 agents in 26 states. According to the Animal Farm Foundation, Auto Owners doesn't have breed restrictions and uses current scientific data to create its policies instead of relying on outdated stereotypes. 

What do Auto Owners cover with their homeowner's insurance?

Auto Owners covers the following:

• Dwelling and personal property
• Personal liability
• Additional living expenses

But you can also choose to add on additional coverage, such as home cyber protection.

What’s the cost of Auto Owners

You would need to contact them directly in order to get a personalized quote. They have various agents in different areas, simply go here for a quote. 

However, according to sources on the web, a full-coverage policy costs an average of $1,619 per year, while a minimum coverage policy costs an average of around $358 per year.

Auto Owners reviews

According to Market Watch, Auto Owners have the best overall rating. They scored 8.9 out of 10 stars.  

 

FAQs

Do I have to tell my home insurance company that I own a Pit Bull?

Yes, it’s important to inform your home insurance company if you have a pit bull. While it’s unfortunate that some insurers still discriminate against certain breeds, being upfront ensures you can find a provider that offers the full coverage you and your dog deserve.

By disclosing your pet, you avoid the risk of potential liabilities not being covered. Honesty is key in finding an insurer that will fairly protect both your home and your beloved pitbull without bias.

What should I look for in dog-friendly homeowners insurance?

When seeking dog-friendly homeowners insurance, look for companies that don’t have breed restrictions and offer comprehensive liability coverage for dog-related incidents. Some insurers focus on the dog’s behavior and history rather than its breed, ensuring fairer coverage options.

Conclusion

In this guide, we’ve compiled a list of homeowners insurance companies that welcome pit bull owners, because finding the right homeowners insurance company shouldn’t be a struggle.

Every dog deserves a safe and loving home, and you deserve coverage that protects both your property and your furry family members without discrimination. 

By choosing one of the pitbull-friendly insurance companies we’ve highlighted, you can rest easy knowing that your home, your pitbull, and your peace of mind are all protected.

After all, responsible pet ownership is what truly matters, and the right insurance provider will stand by you every step of the way.