Why do I have to pay more for my homeowner's insurance because I have a dog?

Is there a way around this extra charge from my homeowner's insurance for my dog? I just switched to Liberty Mutual a few weeks ago and after the home inspection they increased my rate $75 per month because of my pit bull. Bacon Bit is a good dog with no bite history; I really think this is unfair. Is there a way around it?

Answer
“Every insurance company is different, but most of them do have breed restrictions and there isn’t really a way around them.
Some insurance companies have a strict decline policy, while others, like Liberty Mutual, will allow some dogs with an extra fee.
The nurture vs. nature debate with large dog breeds has been raging for years. Many fans of these breeds feel the owner and training determine a dog’s temperament, and just as many people feel the opposite.
Numbers and statistics is what drives insurance. To date, pit bulls make up the bulk of reported attacks and the average payout for a dog bite is around $37,000. This is why companies err on the side of caution.
You may not be able to *lower your policy rate** with Liberty Mutual, but State Farm may be a great choice for you. State Farm does not have a breed restriction, and as long as your dog has a clean bite history, they shouldn’t impact the rate of your policy.
Since you may be shopping around for a new homeowners policy, it is the perfect time to re-shop auto insurance as well. By bundling your auto and home insurance with the same company, you can save by getting a multi-line discount.
Use the free Jerry to help you get the lowest rates from 50 companies delivered to your phone in minutes.”
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Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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