Austin, TX- There are many variables that are factored into a homeowners insurance quote/policy. As an agent, we have to ask, "do you own a dog? If so, what kind?". When the answer is pit bull, the number of insurance companies I quote with dwindles down to just a couple due to the exposure. It's not easy telling clients or prospective clients they are an undesirable insurance risk because of their family pet. I have friends with pit bulls and in my opinion they are good dogs. Unfortunately the insurance companies just look at statistics and there is no human element. Bottom line, if you have a pit bull, make sure you let your agent or insurance company know as there could be exclusions to your policy.
Other dogs that insurance companies find dangerous include, Akita, Alaskan, Chow, Doberman Pincher, German Shepherd, Malamute, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, or Wolfdog. If you are a Pit Bull owner, you might find the article below helpful. If you have questions, please feel free to contact us.