In most cases, the best way for pit bull owners to insure their homes is to look for insurance companies that do not deny coverage to dog owners based on breed. State Farm and Allstate are two of the companies that generally work with pit bull owners as of 2015.
Pit bulls are commonly considered a dangerous breed by insurers, which means that they are more likely to be involved with an incident that generates a claim. While some companies simply refuse to insure homes with pit bulls, others may work with the owners but require additional coverage. Pit bull owners may have to sign waivers or buy dangerous animal riders, which cost more than a basic insurance policy.
It is also important for pit bull owners to check their local laws. Some cities and states have laws in effect that prohibit insurance companies from denying coverage based on the breed of dog. Location can also determine the insurance company's policies.
Some companies also evaluate the owner and the way the dog is managed. If the dog is kept in an irresponsible or high-risk way, even a company that normally works with pit bulls may deny coverage. Pit bull owners who are having trouble insuring their homes should consider getting Canine Good Citizen certifications for their pets to prove that the animals are safe.