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i am trying to find some liability insurance for my pitbull dog so i can have her stay at my house? is it out there and where can i find it so she can stay.
I would imagine it would depend on the company, but I know State Farm Insurance covers animals under your own home insurance policy. It is usually part of of a Personal Liability Umbrella. Check out home insurance providers in your area, and ask if your dog is covered. Kudos to you for being responsible for your pitbull. I run a petsitting business in Ontario, Canada, where pitbulls are now banned, and before we can care for a pitbull we ask for proof of a home insurance policy, as that is what covers pet liability up here. Good luck & good thinking!
My homeowner insurance (Allstate) has a "dangerous breed" clause...basically stating that they would not be responsilbe for any injuries cause by said breeds. Pitbulls are on the top of the list....so I feel you may have a hard time finding a carrier, but good luck.
I would imagine it would depend on the company, but I know State Farm Insurance covers animals under your own home insurance policy. It is usually part of of a Personal Liability Umbrella. Check out home insurance providers in your area, and ask if your dog is covered. Kudos to you for being responsible for your pitbull. I run a petsitting business in Ontario, Canada, where pitbulls are now banned, and before we can care for a pitbull we ask for proof of a home insurance policy, as that is what covers pet liability up here. Good luck & good thinking!
The dog should be covered by the basic policy and the umbrella covers what goes over the policy limit - the dog wouldn't be covered on the personal liability umbrella without being on the basic policy - in the US, of course.
I think you have to check around and see who is insuring and who is not - different companies write depending on the State. What they will write in one State they will not write in another.
I had difficulty getting insurance with German Shepherds - I guess they are turning into banned breeds, too. When they came to the house I had no problem because I am totally fenced and they never, ever run loose but the company did send a rep out to look.
Many insurance companies, and I beleve including state farm exclude from coverage specific breeds, and in fact ( and I am sure this will be a state by state issue ) the application asks if you have any dogs and what kind. If you have specific breed dogs, some companies will not insure you, and others if you don't inform them, will merely not pay a claim since they have a clause that they have to be notified of certain breeds as part of the policy.
So you need to talk to your insurance company as to what they will or will not cover.
It depends on the state and the company. You do have to check around.
In my state many people have pit bulls. In my daughters state -Ohio- she has a German Shepard but said her insurance company will not cover a Pit bull
Many insurance companies, and I beleve including state farm exclude from coverage specific breeds, and in fact ( and I am sure this will be a state by state issue ) the application asks if you have any dogs and what kind. If you have specific breed dogs, some companies will not insure you, and others if you don't inform them, will merely not pay a claim since they have a clause that they have to be notified of certain breeds as part of the policy.
So you need to talk to your insurance company as to what they will or will not cover.
Now that breed banning goes on I see a fair number of dogs that are very clearly one breed but registered/licensed as a mix or another breed. The Town Clerks don't see the dog and so they list whatever the owner says. Some Vets must be sympathetic because I see Rabies Vaccine records which list a breed which clearly does not describe the dog.
People don't realize that by lying in order to insure a banned breed they can be denied coverage if there is a bite - for lying on the application.
I agree but I think they do it more because they do not want to lose their 'member of the family' and they figure they will worry about it when the time comes. I don't think they are meaning to defraud the insurance co, of money. More like they don't think it will ever happen to them.
Personally I do not think it is right to ban breeds because many ARE very lovable. I think there are more suitable ways to deal with dangerous dogs than banning entire breeds.
hello im adding to my own question but i just wanted to give more information i am basically renting this house with my boyfriend his parents own the house and have recently just had a problem with the dog not that she tears the house up she is the most perfect dog in the world but jsut the fact that she isnt covered because she is a pitbull..so is there some renters insurance or a policy all by itself that i can get on renting the house and include my dog...i need something..i cant image taking her to the pound because of this...i have no other place to take her...help me..
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