Wednesday, June 15, 2022

Does State Farm Insure Homes With Pit Bulls

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Insurers Vs Animal Advocates On Breed Policies

From Pit Bulls To Pugs, State Farm Is A Good Neighbor

The insurance industry says classifying breeds for aggression are among the tools companies need to properly underwrite home insurance policies — as in, assess applicants for risk and decide if to insure them and for how much. Disallowing breed as a reason to deny or adjust coverage, insurers argue, will drive up claims from dog attacks, and those costs will ultimately be passed along to all consumers.

Each company that writes homeowners insurance in New York State will need to reassess its underwriting risk to determine if a statewide premium increase is warranted based on the new dog breed regulations.

For their part, though, dog advocates say the industry cannot justify rate hikes based on the removal of breed bans — or even having breed-specific policies at all.

There is no reliable actuarial data that supports making a distinction between breeds, nor is there evidence that insurance claims for these breeds is financially significant for insurance carriers relative to other paid losses, the 2020 advocates white paper states.

Paradoxically, theres support for that view from the key sources the industry cites as the basis for their breed policies. Friedlander says companies mostly base lists of problematic breeds on dog-bite data from the American Veterinary Medical Association and the Center for Disease Control.

Which Insurance Carriers Dont Discriminate By Breed

The following companies dont discriminate by breed at the moment:

  • Plymouth Rock

Its a good idea to check with the particular company when applying, as things may change.

The list also depends on what state you reside in. In Pennsylvania, for example, insurance companies may not discriminate against you because of the type of dog you have.

Instead, they must determine risk on a case-by-case basis.

Some companies specialize in coverage for banned breeds. These companies wont, however, cover a dog that has a history of biting or causing damage.

Say, for example, that you have a Maltese Poodle, and youve claimed against insurance because it attacked someone. The insurer may adjust your policy to exclude future claims.

No insurer will cover dogs that are banned by city ordinances or any other laws.

Does Renters Insurance Cover Pit Bulls

Renters insurance offers liability protection for you if someone gets hurt on your property. If the person who gets hurt tries to hold you liableby suing you, for exampleyour insurance policy can help you cover the related costs.

Because some dog breeds, like pit bulls, are believed to be more likely to injure people, some insurers blacklist those breeds entirely, refusing to insure people who own those types of dogs. Others may increase the premiums they charge.

Common examples of dog breeds that insurers blacklist or for which they charge a premium include:

  • Pit bulls
  • Alaskan Malamutes
  • Siberian Huskies

Pit bulls, however, are the most-barred dog breed, and the reasons why are rooted in racism. The rise in anti-pit bull sentiment and legislation coincided with the perception of the breed as a popular choice in neighborhoods of color. Attempts at banning and demonizing pit bulls wereand areoften meant to do the same to their owners.

All dogs can be trained and many never bite or injure anyone. Statistics that paint pit bulls as more dangerous or deadly are of questionable merit and fail to take the breeds popularity into account.

While some states forbid insurers from blacklisting specific breeds, many have no regulation, leaving insurers free to refuse to insure people who own certain types of dogs. If you own a pit bull, it is important that you check the laws of the state in which you live before searching for renters insurance.

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When Should You Get A Separate Policy For Your Jewelry

Jewelry protection insurance is a separate insurance policy meant particularly for insuring jewelry. Like scheduling your jewelry with a floater, jewelry protection insurance covers your jewelry beyond common insurance perils. Unlike a floater, though, claims made against a jewelry protection insurance policy aren’t counted as a claim against your homeowners insurance.

Heres how a standard homeowners insurance policy, a floater and jewelry protection insurance compare:

Type of coverage
May have a deductiblePremium based on value, items covered and area of residence

Jewelry protection insurance is a particularly viable option if you want to insure high-value or at-risk jewelry, such as a multi-carat diamond ring. As an added bonus, while claims made against home insurance or an additional floater may impact your premium and future insurability, jewelry protection insurance is its own separate policy and insulates your home insurance rate from any claims.

The premiums for most jewelry insurance policies are between 1% to 2% of the total insured value, meaning $10,000 of coverage might cost only $100 a year.

What Insurance Providers Will Allow Your Pit

Pit Bulls and Home Insurance: What You Need to Know ...

Insurer coverage varies on a case-by-case basis. Michigan and Pennsylvania have passed legislation that prohibits denying coverage based on breed alone, and there are more states planning to pass similar legislation. However, if you dont happen to live in Michigan or Pennsylvania, here are a few providers that offer pit bull friendly policies.

  • State Farm® does not require you to disclose your dogs breed when writing a policy, and does not have any breed restrictions. State Farm considers your coverage on a case-to-case basis, taking your pit bulls previous behavior into account.
  • Allstate Insurance Company has a similar policy to State Farm. Theyll write you a policy that includes coverage, but it is subject to change if your dog misbehaves.
  • USAA insurance policies will cover your pit bull if it has a proven track record of good behavior, but the company only serves US military veterans and their family members.

While State Farm, Allstate, and USAA are great options for pit bull liability coverage under your homeowners insurance policy, coverage will vary. It is important to shop around to find the policy that’s right for you and your pit.

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Bsl: Breed Specific Legislation

Insurance companies arent the only ones engaging in dog breed discrimination. States, cities and even local municipalities have their own lists that are often different and even contradictory to one another. Its called Breed Specific Legislation or BSL.

BSL began in the 1980s in response to several fatal dog attacks, according to PetPlace, an information website. These laws equate the qualities of a dangerous dog with certain breeds, and ban or restrict them based on group, not on any offense the individual dog committed.

They make no concession for therapy dogs, assistance dogs or search and rescue dogs, notes PetPlace.

Why Breed Restrictions Arent Posted On Insurance Companies Websites

Before we get into our lists, theres some information youll want to know about how insurance policies are determined.

First of all, the laws governing dog bite liability vary by state. This means your policy will be affected by the state you live in.

Similarly, liability coverage itself will vary by state. Not only that, most insurance companies dont have any overarching policies in terms of breed restrictions.

Instead, they have a number of entities working with them who determine your policy based on where you live and your specific situation.

This is why insurance companies dont simply state their breed restrictions on their websites: restrictions vary depending on where you live and who is writing your policy.

All of the information in this article was taken directly from conversations with customer service representatives and insurance agents.

However, you may still want to contact any companies youre interested in to learn more about potential restrictions in your area.

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Collect And Compare Quotes

Once you have all your personal information and have decided on appropriate coverage limits, you can begin to shop for car insurance. Our insurance comparison tool is a quick way to compare cheap car insurance quotes.

You can also go to multiple insurer websites and use their quote tools to compare quotes from different companies. Our recommendations for the best and cheapest car insurance companies is a good place to start.

Insurance Companies That Discriminate Dog Breeds

How to Find Pit Bull-Friendly Housing

Michigan and Pennsylvania are the only states where home coverage denial based on breed is illegal. In all other states, your insurer can decide if a dog breed is a reason for coverage denial. Some home insurance providers have firmer policies on breeds of dog as a basis for coverage. Following are a few insurers that have a strong history of using breed as a policy restriction:

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Which Dog Breeds Will Homeowners Insurance Not Cover

Certain dog breeds are categorized as âdangerousâ because theyâre responsible for a high number ofdog bite claims. To minimize the chances of having to pay out expensive liability claims, some insurance companies exclude certain breeds from coverage. Your insurer may also raise your premium if you own a certain breed or refuse to cover your home altogether.

Is It Legal For My Insurance Company To Deny Cancel Or Increase My Premium Because Of The Type Of Dog I Own

Yes. The law does not prohibit insurance companies from discrimination based on breed. While breed-specific city and town ordinances have been challenged on constitutional grounds, such as due process and equal protection, insurance companies because they are not part of the government are not subject to these constitutional restrictions.

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Why Do Homeowners Insurance Companies Ask About Dogs

Homeowners insurance usually incorporates liability cover. If your dog bites someone or damages their property, the insurer should pay:

  • For the medical expenses of the victim
  • The replacement or repair costs of the damaged property
  • Your legal expenses if it becomes necessary
  • In some cases, judgments for pain and suffering as a result of a civil suit

Insurers ask questions about what dogs you have to assess their risk more accurately. The greater the chance that the dog will cause severe damage when it bites, the higher the risk of liability issues. With particularly aggressive breeds, theyll load your premiums or decline cover altogether.

There are some dog breeds homeowners insurance will never cover. If the breed has a reputation for being vicious, like pit bulls, the company may feel that the risk is too high.

Do Pit Bulls Increase Your Insurance Rates

Insurance for Pit Bulls, Find Insurers That Accept Pitbulls

Whether you’re purchasing a new policy or letting your current insurer know about a new pit bull, you should expect your homeowners or renters insurance rates to increase. The increase is highly dependent on the insurance company that you select and your pit bull’s past history.

Rates nationwide increased about 1% on average if a policyholder had an “aggressive” breed of dog, according to a ValuePenguin study. That category of dogs can include breeds like rottweilers, Dobermans and chow chows.

Pit bulls have a reputation for being aggressive dogs and, as a result, are seen as posing a greater liability risk. Dog bite claims are incredibly costly to insurance companies. In a recent year, dog bites and dog-related injuries accounted for a third of all homeowners insurance liability claims. The cost to insurance companies as a result of these claims was in excess of $600 million.

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Option : Umbrella Insurance

Umbrella insurance is a supplement to your renters insurance. An umbrella policy will cover situations that your normal policy excludes, or provide additional coverage when you file a claim that exceeds your policys limits.

The cost of umbrella insurance depends on your coverage limit. A standard umbrella insurance policy for renters usually provides between $1 million and $5 million of coverage. You can expect to pay about $380 per year for $1 million in coverage, whereas a $5 million policy might cost you closer to $600 a year.

To cover yourself and your dog with an umbrella policy, contact an insurance agent and ask them whether they offer an umbrella policy with no pit bull exclusions.

Texas Record Award Went Unpaid

Representing bereaved mother Serena Clinton, retired Tyler district judge Cynthia Stevens Kent in September 2010 won the Texas record jury award in a dog attack case of $7 million against pit bull owners Rick and Christi George of Leveritts Chapel in Rusk County.

The jury found that the Georges had negligently allowed their two pit bulls to escape and kill skateboarder Justin Clinton, 10, on June 15, 2009.

However, Kent wrote in a November 11, 2010 open letter to Texas legislators, unsuccessfully seeking a statewide ban on pit bulls, The owners had no home owners insurance and our client will likely never see a dime.

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How To Keep Existing Homeowner And Renters Insurance For Your Pit Bull

  • Enroll your Pit Bull in obedience classes, and consider taking your dog to obtain Canine Good Citizen certification.
  • Neuter male Pits to reduce dominance related issues.
  • Make sure your bully gets lots of appropriate exercise dogs with predatory or herding instincts need to channel those inherent tendencies in socially acceptable ways to prevent acting out.
  • Keep dogs on leash or in a fully, physically fenced area when outside.
  • Always make sure your pet Pitbull is supervised around children.
  • Teach children how to behave around animals. For example, dont disturb dogs while sleeping or eating, and do not bother mother dogs who are with their puppies.
  • Be aware of the signals that you yourself send to your dog i.e. your nervousness will manifest itself within your dog.
  • Demonstrate what it means to be a responsible dog owner.
  • Contact Einhorn and Help Pit Bull Rescue

    Einhorn Insurance will be happy to help responsible dog owners in California get home, renter, condo, landlord and liability insurance. You will not be discriminated against just because one of your kids is a Pit Bull . Mention Save A Bull, and for every policy they write, Einhorn Insurance will donate $20 to Its The Pits to help save this wonderful breed. You can contact Einhorn Insurance by phone at 858.336.4644, email at or get a dog liability quote online.

    Does Owning A Pit Bull Increase Home Insurance Premiums What Owners Should Know

    Pit bulls kill three llamas in Windham Township

    Fast facts about pit bulls and home insurance:

    • Pit bulls can increase home insurance premiums depending on the specific insurance company.
    • There were over $790 million in claims made against home owners for dog-related attacks in 2019.
    • Some major home insurance companies DO NOT increase premiums based on breed including Allstate, Amica, Nationwide, State Farm and USAA.
    • It is important to make sure your home insurance company knows you have a dog though in order to make sure you are covered in the event of a claim made against you.

    Most peoples dogs are like a member of the family. But dog accidents can happen, such as a dog injuring a guest at your home or damaging your neighbors property. According to the Insurance Information Institute, liability claims due to dog-related injuries like

    dog bites cost homeowner insurers $797 million in 2019. The average cost per claim increased by 14.7% year-over-year.

    Homeowners insurance can provide you with coverage for events that make you liable for property or personal damage. But if the damage is caused by certain dog breeds, like a pit bull, you may not be covered.

    Pit bulls are large dogs and may be considered dangerous by some insurers. According to a 2019 study of dog bites published in the International Journal of Pediatric Otorhinolaryngology, injuries from pit bulls were more frequent and more severe.

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    Will My Homeowners Insurance Allow Pit Bulls

    Updated on Tuesday, June 25 2019 | 0 min. read| by Samuel Gilbert

    Finding a home insurance provider that includes liability coverage for your pit bull can be difficult and expensive.

    Homeowners insurance policies cover damage and injuries caused by household pets, but providers can deny you a policy or raise your rates based on your dog’s breed. No matter how harmless you know your pit bull is, insurance companies may see your best friend as a liability concern. This article covers:

    Commonly Excluded Dog Breeds In Renters Insurance

    As mentioned, many insurance carriers have blacklisted breeds that they wont insure. These blacklists almost always include pit bulls.

    Insurers often exclude the following breeds:

    • Akitas
    • Staffordshire Terriers
    • Wolf-Hybrids

    Fair or unfair, those dogs have a reputation for being aggressive or unpredictable. Insurance companies say this makes them too much of a risk to cover.

    If you own a dog thats listed above, youll have to look for an insurance company that doesnt have a strict breed blacklist.

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    Negligent Homicide Charge Dropped

    Kylar Johnsons father, Michael Cole Johnson, was charged with criminal negligent homicide for allowing the victim to roam unobserved. The charge was dropped, however, in 2016 as part of a plea bargain that also settled several unrelated drug-related charges originating in 2014, plus a charge of hindering Victoria County Sheriffs deputies from apprehending his brother, Matthew Johnson, in a separate case that also originated years after Kylar Johnsons death.

    Michael Cole Johnson was sentenced to serve 10 years of deferred adjudication probation, pay a $500 fine, and complete 150 hours of community service.

    The Insurance Information Institute web site did not include the major cause of injuries, deaths, & payouts.

    Do You Have To Tell The Insurance Provider About Your Dog

    Does Owning a Pit Bull Increase Home Insurance Premiums ...

    If the company provides an aggressive dog breed list, it is usually contingent on telling them about your dog upfront. Its tempting to fib a little to get lower premiums, but this will cost you in the long run.

    If you have to claim for bites on your home insurance, dog breeds that you didnt list will invalidate the claim. The insurer is perfectly within their rights to decline claims if you werent 100% honest on your application.

    If you get a banned puppy after taking out your policy, you should contact the insurance company. The increase in premiums is slight compared to the potential claim if your dog bites or kills someone.

    You may feel that your dog is placid and would never hurt anyone. Before becoming complacent, however, ask yourself what your pet will do if someone attacks you or breaks into your home. While you have a right to protect yourself and your property, its not inconceivable for the criminal to claim innocence. Even if they were in the wrong, they might sue you for the injuries.

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