Pit Bull Home Owners Insurance

The Pit Bull Debate, Part 1

All you have to do is say the words Pit Bull and you are likely to draw strong reaction from most people. Some love them and think they're great family pets. Others hate them, calling them vicious animals that should be banned.

In Eastern Carolina we have reported on several dog attacks involving Pit Bulls, even a fatal attack involving a child at Camp Lejeune. But Pit Bull owners and advocates say those kind of incidents don't accurately reflect the overall breed. The question is, do they or don't they, and what, if anything should be done about it?

Debbie Ham is a volunteer with the Humane Society of the United States and Southern Belle Pit Bull Rescue League. She introduced us to Savannah, a 3-year-old Pit Bull she says is the sweetest dog you'll ever meet. Which you may consider remarkable given what she's been through. Ham says Savannah is one of the dozens of dogs rescued from a Pit Bull fighting ring in Pamlico and Jones County last summer.

After the rescue and temperament testing, Ham says they were able to adopt Savannah out and find her a loving home.

Getting Pit Bulls into loving homes is why Amanda Boykin says she started Southern Belle Pit Bull Rescue League. Boykin says, "They're great pets, they're not going to harm your children for the most part. They're not bad dogs. They're really good dogs."

But not everyone shares that view. Mae Parker of Rocky Mount says, "I just think people need to wake up to the reality of Pit Bulls."

The reality for 70-year-old Parker is that they nearly killed her. Two Pit Bulls attacked her a few years ago as she headed outside to her car. Parker says, "And I was just backing up to get on the porch and they turned around like a circle and they charged at me and knocked me down in the walkway there."

Parker says the dogs began biting her repeatedly. But after just beating colon cancer, Parker says she was determined not to let the Pit Bulls get the best of her. She fought back and was able to stop one of them from attacking. She says, "I guess if I hadn't held onto that dog, I guess the two of them would have killed me.

My Homeowners Insurance cancelled me because I have a Pit bull?

My Dog is sweet as ever and wouldn’t hurt anyone, why do Insurance do this to homeowners?

Chosen Answer:

Because 90% of liability claims paid out on homeowners policies are dog bites. And 75% of those dog bites are one of five breeds – including pit bulls.

So, insurance companies don’t want to give liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds. Yes, little dogs bite more, but they don’t do the damage.

I know of ONE homeowners company that will write a policy with a dog exclusion – Foremost Insurance. www.foremost.com to find an agent near you. The exclusion means, if your dog bites, you pay everything out of pocket. No exceptions.

i am training to become an insurance agent. The reason why they care so much is because its a dangerouse breed of dog… also roitweilers, dohbermans, chow chows. any breed that is overly agressive can cause problems with neighbors, or potentially bite or cause harm to people…. i know it sucks i have a pit of my own, i just didnt disclose him in my report.

Because 90% of liability claims paid out on homeowners policies are dog bites. And 75% of those dog bites are one of five breeds – including pit bulls.

So, insurance companies don’t want to give liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds. Yes, little dogs bite more, but they don’t do the damage.

I know of ONE homeowners company that will write a policy with a dog exclusion – Foremost Insurance. http://www.foremost.com to find an agent near you. The exclusion means, if your dog bites, you pay everything out of pocket. No exceptions.

Because the insurance company is unwilling to take on the liability for this dog. These dogs can do tremendous damage and can also kill.

I used to show dogs and I know that nurturing makes a world of difference in the temperament of individual dogs. Unfortunately there are unscrupulous people out there who breed indiscriminately and of course, there are those who WANT them to be aggressive. Its a shame that all dogs of certain breeds, and its not just pit bulls, get labeled viscious. Having said this, I am also in the insurance industry, and have seen and read about claim after claim where companies have paid out tons for dog liability. Many breeds bite; it would be kind of difficult to get hurt really badly by say, a chihuahua.

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