It’s hard not to notice the attention dogs are getting these days—from costumes and clothing to remote technology that allows you to grant them snack privileges while you’re away at work, a new generation of dog owners is redefining the way we treat man’s best friend.

But regardless of our feelings for them, a pit bull dressed as a bunny is still going to have a harder time getting insurance than that dachshund down the street (with or without the wiener costume).

Insurify makes finding an affordable home insurance package—with built-in pet coverage for your best friend—faster and easier than putting that costume on in the first place. Compare quotes and save on a home policy tailored to you and your dog.

Why Some Home Insurance Companies Aren’t Pet-Friendly

Fact: The Nissan GT-R costs triple the amount to insure as the Honda Odyssey. Why? Crash stats reveal that people are much more likely to test the limits of the one with the higher horsepower. Put plainly, faster cars come with a lot of risks attached. 

Likewise, certain dog breeds are known to pose a higher risk to people than others. While Grandma’s fluffy bichon frise can be a bit nippy at times, the damage it does is nothing compared to what fighting breeds like pit bulls or other historically aggressive dogs are capable of due to their DNA.

Victims of dog-related injuries might require multiple surgeries and specialized medical care that can run as high as $1 million. For this reason, insurance companies are very calculating about the canines they cover. Insurance carriers want to avoid paying out dog bite claims, for instance, as often as they possibly can. As such, they often carefully define how much pet owners should pay for various breeds.

Some home insurance companies will even refuse to write a homeowners policy that covers dog breeds that are commonly deemed too “vicious.” According to dogsbite.org (a national dog bite victims’ group dedicated to reducing serious dog attacks), recent studies put the following breeds and breed mixes at the top of the most dangerous dogs list: 

  • Pit bull terrier
  • Rottweiler
  • Mastiff/Bullmastiff
  • Dogo Argentino
  • German shepherd
  • Wolf hybrid

Other dog breeds that are commonly understood to be potentially dangerous include:

  • Akita 
  • Alaskan
  • Chow
  • Doberman pinscher
  • Great Dane
  • Malamute
  • Presa Canario
  • Siberian husky
  • Staffordshire bull terrier

Top Dog-Friendly Home Insurance Companies 

Though it’s not the celebrity status you imagined for your pup, making this list could create some discomfort for you insurance-wise. It’s essential to understand the following and take action, if necessary:

  • Your insurance rates could very well go up dramatically depending on the kind of dog you have in your house.
  • Your current insurer could even refuse coverage based solely on your dog’s breed.

Does this mean you should consider Craigslisting your canine? No. But it does mean that you need to do a little more work to protect yourself and your assets should the unthinkable actually happen. That’s to say, ignoring pet coverage altogether isn’t the answer. This move could get you into some financial hot water later on.

Although “dangerous breed” owners may have to look a little harder, finding the best combination of insurance coverage for your home (and pet) isn’t impossible. According to mscpa.org, the following insurance companies are most likely to work with you and your pet on a case by case basis—seeing past the breed and making insurance decisions based on the actual pup: 

These insurers emphasize the responsibility of the pet owner rather than the breed itself. For example, State Farm’s website states that they do not even ask about the breed when writing a home insurance policy that includes pet coverage.

Dog-Friendly Home Insurance FAQs

By how much does my homeowners insurance policy increase if I have a pit bull?

The answer to that question can vary not only by the insurance company but also by where you live. Some cities and states have breed-specific legislation that requires bully (and other “vicious” breed owners) to carry a certain amount of liability insurance. For example, Dodgeville, Wisconsin requires owners to carry $50,000 in liability coverage, while Omaha, Nebraska requires twice that limit.

How can I get dog-friendly homeowners insurance?

Most homeowners insurance companies have provisions for pet coverage. Some are breed-specific; some are not. Begin with your current homeowners insurance to understand whether or not they cover your breed and the impact of pet coverage on your current rate. Next, compare insurance configurations (bundling home, auto, pet and life for example) with other insurance providers that are deemed dog-friendly to see how well you’ll fare financially with each one.

How can I compare home insurance quotes online?

That depends on whether you like doing things the hard way or the easy way. If you know the companies that you want to compare, you can usually go directly to their website and fiddle with their quote calculator. The easy way is to find a home insurance quotes comparison website, like Insurify, that can run the numbers all at once using up-to-the-minute data from several insurance companies in your area.

Conclusion: Here’s how to save big on home insurance

No doubt making your pooch Insta-famous is a priority. But now is the perfect moment to double-check both your homeowners/pet insurance policy and see how much you can cut from your current costs by comparing quotes with Insurify. 

Five minutes is all it takes to hop on Insurify, compare homeowners insurance quotes, and unlock discounts you never even knew existed. 

Who knows? Maybe one online search will save you enough to buy Fido a friend (or to afford that raw meat diet everyone’s talking about). After you’re through, you can reward the pup with a trip outside for their patience. Or how about just canceling those ridiculous puppy pajamas he never asked for?

Yeah. Do that one.

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Yep, it’s that easy.
Updated July 24, 2020

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.