I am a home renter living in Ft Lauderdale, FL. Does anybody knows if it's possible to get a dog liability insurance? My only problem is the dog is a pitbull.

Are you talking about insurance if he bites someone or insurance if he damages the rental property?

It doesn't really matter what kind of insurance you are talking about. Almost all insurance companies will not give you any kind of liability insurance if you own a Pitbull. End of story. I am surprised that you have a landlord willing to rent to you. Most won't, specifically because they can lose the liability insurance on their property. The best thing that you can do for yourself is to flip through your regional yellow pages, look under Insurance, and start calling companies. You might luck out and find one that will be willing to cover you.

I left a copy of the original in dogs at https://www.askmehelpdesk.com/dogs/pitbull-renter-liability-insurance-158121.html I am afraid this is a tough question and input from both those that know dogs, and those that know insurance may be helpful to the OP.

Eduardo this site may be of help.Homeowners' Insurance Resource Center (http://www.akc.org/insurance/homeowners_inscenter.cfm)

Some cities, most landlords will require insurance. If there is no insurance and something happens, not matter if it is a poodle or collie or a pit, you are responsible. So if you can not get your check book out and write a check for property damage, damage to other pets,or injury to another person, you should have insurance.

I live in Virginia and I have my pit insured with USAA , liability insurance, 22 dollars a month. Includes house liability and pit bull liability. Without it its almost impossible to rent a place in this state.

I am a home renter living in Ft Lauderdale, FL. Does anybody knows if it's possible to get a dog liability insurance? My only problem is the dog is a pitbull.


Call around and ask if they will insure a pitbull.

I had to change companies in order to obtain homeowners with a Rottweiler - it's a breed "banned" by my insurance company. It's called breed discrimination and it's alive and well.

I'm sure you know Dade County has already banned pits and other counties are trying to follow their lead.

Be sure to keep your dog in the house as much as possible as having lived in Ft.L for 25 years I know that you will have a lot of neighbors in an uproar about your dog. There were almost monthly maulings of young children by these dogs back in the 80's and 90's in FTL. Be sure you have a nice fenced in yard also. Surprised anyone rented to you. Most landlords in FTL don't want kids or dogs regardless of what type of breed. Consider yourself blessed that you have a landlord willing to rent to you.

isabelgopo agrees: wait, what?? Would you have a hard time renting an apartment in Florida if you have children?


If there was a possibility they would bite a neighbor or if they were breed banned then, yes, the answer is mostly definitely "yes."

I'm not saying I agree with the rules; I'm only "reporting" them.

Apparently State Farm and USAA do not ask for breed of dog just if there has ever been a bite/attack.

Apparently State Farm and USAA do not ask for breed of dog just if there has ever been a bite/attack.


Right, they go on a case-to-case basis. I also didn't realize that it is illegal for insurance companies in Pennsylvania and Michigan to blacklist breeds.

Just say you got the dog from the spca and they said it was a mix.. and that's all you know

just say you got the dog from the spca and they said it was a mix.. and thats all you know


Sure, as long as it doesn't have papers, isn't registered. If it IS papered/registered and you lie to your insurance company you will have no coverage at all.

This is generally bad advice - same with people who lie about their mileage to get a less expensive auto insurance rate, tell the company no one underage drives the car. Works fine until you're in an accident and the insurance company decides to take a stand.

ENHORN INSURANCE "WILL"cover pitbulls!

There are several insurance companies that insure pitbulls, Nationwide and Farmers, for example.

Your blatant comment about NO insurance company will cover pitbulls are a thing of the past.

ENHORN INSURANCE "WILL"cover pitbulls!.

There are several insurance companies that insure pitbulls, Nationwide and Farmers, for example.

Your blatant comment about NO insurance company will cover pitbulls are a thing of the past.


Enhorn is an Agency, not an insurance company. Maybe the OP doesn't live in the area where Enhorn is licensed?

This was posted in 2008 - maybe things have changed somewhat in the four ensuing years?

And to correct your "blatant" statement - Nationwide and Farmers do NOT insure pits in all areas of the US (I have no idea where you are). These companies and others are certain requirements, one of which very often (and I don't know the current "rules") socialization classes and a home visit.

I'm a liability investigator. It is neither easy nor inexpensive to insure certain breeds. I have a GSD and a Rott - I had to jump through hoops to get GOOD insurance. If you want your homeowners through some company which is going to deny, it's possible. If you want to be covered in the event of any injury it's far more difficult.

Or do you work for the agency and this is a "blatant" plug?

Here is a link to pitbull insurance: http://www.chaseagency.com/AnimalLiability.asp

Your welcome!

I also have a Pit. There are many insurance co. that will insurance you. It's less then you would think. Do a search on line or you can view this link. http://www.pbrc.net/losinghome.html. Not being able to get insurance is bull. The problem in this case, is finding a land lord that will let you move in with one if you don't own your home. It's a shame, mine will lick the skin off you before she would ever bite. Just an over grown want to be lap dog.

That's who I have mine with. They are also Pit owners and just great people to deal with, Smitty
ENHORN INSURANCE "WILL"cover pitbulls!.

There are several insurance companies that insure pitbulls, Nationwide and Farmers, for example.

Your blatant comment about NO insurance company will cover pitbulls are a thing of the past.

Thats who I have mine with. They are also Pit owners and just great people to deal with, Smitty


It's Einhorn, not Enhorn, and it's an agency, not a company. Einhorn assists in placing homeowners who own banned (or "dangerous") breed dogs with a company but Einhorn does not write the policy.

There's a difference.

Einhorn places homeowners in California, not in other States.

Thank you. This is the web address for it. Sorry I only pay once a year. I don't know who writes it, this is just were I got the insurance I needed. Smitty Dog Homeowners Liability Insurance | Dangerous Dog Breed Coverage | Einhorn Insurance (http://einhorninsurance.com/dangerous-dog-liability-insurance/)