Comments on: Need Homeowners Insurance but have three Pit bulls, do I have to disclose this information when applying?

By: John

John — Sun, 21 Feb 2010 21:18:51 +0000

Yes, you can get the Homeowner insurance. First you inform the agent about the pets you have and get the quote with the animal exclusion. Your home will be covered by the homeowner insurance except the liability coverage caused by your pet.

Check the following;

You enter your information once, then you will be contacted by the licensed agents with their best quote for your insurance needs via phone or email.

By: mandymay

mandymay — Sun, 21 Feb 2010 08:34:44 +0000

It is going to be hard to find a company that will insure since you have dogs that are considered viscous. it never a good idea to lie about anything to the insurance company because in the long run they could cancel your coverage. Even if you do lie and get them to issue the policy to you most insurance companies do an inspection of the premises before or after writing the policy so they will see the dogs anyway.

By: zippythejessi

zippythejessi — Sat, 20 Feb 2010 12:53:11 +0000

You absolutely must disclose – some HO policies need an additional rider for certain breeds of dogs (pits, rotties, sheperds, dobies, among others) and some won’t cover at all.

If you don’t disclose it and God forbid, one of the dogs bites someone, you’re setting yourself up for one mother of a lawsuit. (Or, even if the dogs never bite anyone, but the insurance company finds out about them, you’ll either get dropped faster than a hot brick or they’ll sue you. And then forget about trying to get covered by any other insurer.)

By: zyberianwarrior

zyberianwarrior — Fri, 19 Feb 2010 01:25:20 +0000

some areas actually ban pit bulls yes you have to disclose that sad fact.

By: mbrcatz17

mbrcatz17 — Mon, 15 Feb 2010 15:30:37 +0000

Yes. Every policy application asks if you own a dog. Pit Bulls, aka American Staffordshire Terriers, are prohibited dogs for every insurance company I have EVER heard of .

However, some companies will write your homeowners policy, with a DOG exclusion – ie, they won’t cover any dog bites. IN particular, Foremost Insurance – will do this.

So ask around, see if the companies will give you the dog bite exclusion – go to Foremost as a last resort, because they’ll be the most expensive.

Many carriers will NOT give you the dog bite exclusion, because if your dog bites someone, even with the exclusion, a jury is likely to make the insurance company pay ANYWAY. But Foremost is still willing to take that risk.

By: Loollea

Loollea — Sun, 14 Feb 2010 09:25:11 +0000

yes you must disclose this info

By: John H

John H — Sat, 13 Feb 2010 14:43:50 +0000

Try to get quotes from You may can get an insurance company willing to insure you but I am not for sure.

By: Rexy

Rexy — Thu, 11 Feb 2010 14:27:09 +0000

The insurance agent typically asks you if you have any dogs, the breed, and their past bite history. Even if they don’t ask prior to the policy inception, most insurers have the ability to cancel you later down the line. Several states’ insurance commissioners have banned insurers from denying coverage to homes based on the breed of the dog. It’s no secret that pit bulls have a bad reputation for being aggressive, although there are many sweet ones. Some companies will deny you coverage, some will exclude claims that arise from the dogs, and some will charge extra to cover the breed. The insurer I work for will not accept you unless you live in Michigan (where it is illegal to decline coverage for a specific breed of dog), but you may want to try State Farm, Fireman’s Fund, or even Lloyd’s of London. It may be hard to find coverage, but there is an insurer out there to provide you coverage. Each state has an assigned risk plan for people who can’t find an insurer to accept them. You would have to contact the state insurance department and they will assign you an insurer who has to provide coverage, no matter the risk.

By: daisyw1980

daisyw1980 — Wed, 10 Feb 2010 07:56:38 +0000

I would tell them about the dogs, then they will ask if they have ever bitten someone, if no that will not affect your rate

By: roger w

roger w — Mon, 08 Feb 2010 19:47:09 +0000

if your asked and lie that could be considered as defraduing an insurance company and it’s likely that your insurance could be null and voided.