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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?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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