I need homeowners insurance and I own a pit bull/mixed breed dog

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 24, 2016

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Insurance Question from Crum Creek, NY

Asked on 08/24/2016

I need homeowners insurance and I own a pit bull/mixed breed dog MY SECOND REQUEST! Our current homeowners insurance will be cancelled in October because we own a pit bull that was involved in an incident. In our opinion, it was a fraudulent claim. We don't know if the insurance company settled or not. We were at a campsite that allowed dogs and we complied with all rules. Another camper approached her when she was tied up and barking at him. He didn't seek medical attention, but filed a claim later. We have been unable to find any insurance company that will give us homeowners insurance because of this. Willing to pay what it may cost..can you help us?

Answer given on August 28, 2016

Dog bite claims have risen over the years and the cost to settle these claims has greatly increased too. Many insurance companies simply refuse to insure certain breeds such as pits, dobermans, akitas and more. Other insurance companies will insure the dogs unless and until there is an incident that results in a claim.They then will usually non-renew the insurance unless the dog is out of the household.Since your dog has already had a claim for biting someone, it is very unlikely that you will be able to find insurance in the standard insurance market. Some insurance companies may exclude any dog bite, but it is uncertain whether this exclusion will hold up in court. You can call an independent insurance agent and see if they represent any company that will exclude your dog from coverage. If not, ask for a specialty insurance company, something along the lines of Lloyds of London to see if they can write your insurance. If you are unsuccessful you may have to get rid of the dog. A rescue group may be able to help your dog find a new home.


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