Pit Bull



Did you know that having a particular breed of dog could keep you from getting homeowners or renters insurance? Here in Florida, most insurance companies exclude coverage for dog bites, but some will add coverage back on for a higher premium. Homeowners usually have to pay for the victim’s medical expenses, lost wages and other costs “out of pocket” if their dog bites a person, but not if that person is trespassing.


If you own a Pit Bull, German Shepherd, Chow, Doberman or Rottweiler almost all insurance companies (including Citizens, the state-run company)
will not write your homeowners or renters policy at all. These breeds are considered to be especially dangerous based on public health records and claims history. Let’s say you rent a home in Florida and you own a German Shepherd, chances are you would not be able purchase renters insurance.

German Shepherd


You may decide it’s better not to mention your “best friend” to the insurance company. However, if the insurance company discovers that you own one of these dog breeds, they can then cancel your renters policy and your landlord’s homeowners policy. Other states (like Michigan and Pennsylvania) require companies to cover injuries and deaths caused by all breeds of dogs. So the next time you go out looking for a puppy, keep this list of breeds handy, because your dog may bite in more than one way.