I have found a few more options for Home Owners Insurance in MA, so I have compiled a list of all the companies I’ve found to date that will offer insurance to pit bull owners. I hope this list is helpful. Again, please email me if you know of other available options.
**If you or anyone in your family is in the military, you may want to try:
Phone: 1-800-531-USAA (8722)
USAA will offer you coverage as long as your dog does not have a previous bite history.
**Another option is to take out Canine Liability Coverage. Some insurance companies that wouldn’t normally offer you coverage if you have a dog that is on the “dangerous dog” list, may offer it to you with CLC. One company that offers Canine Liability Coverage is Lester Kalmanson Agency, Inc., I spoke to an employee at the company and she wasn’t sure which insurance companies would change their breed restriction policies, but you can definitely inquire with your insurance co. I heard from a friend that she was quoted $650.00 for 100K in coverage. It seems a little pricey but it’s another option to consider.
American Modern will give coverage to owners of a Pit Bull and also offers $10,000 in liability coverage. If your dog has a previous bite history you will lose the $10,000 liability coverage.
Commerce will give coverage to owners of a Pit Bull with the following criteria:
• The dog can not have a bite history
• The dog has to have it’s Canine Good Citizen Certificate (CGC)
Pit Bulls are covered only with Massachusetts Property Insurance Underwriting Association (MPIUA). This will increase the cost of your policy through Fireman’s Fund.
[Update 10/9/13 – I received the following email from Nicholas Culafi, an agent at Liberty Mutual. He is extremely nice and has already successfully helped one of our readers.
I wanted to make myself available as a resource to your blog readers. As an owner of a GSD, I can appreciate the concerns that come with dogs that have reputations of being difficult to get insured with a homeowners policy.
I work for Liberty Mutual and I have the authority to insure most dogs and can get approval for the remainder. Typically, if the dog is a pit bull, wolf mix, GSD, Rottweiler, etc… I meet the dog in person. If the owner can demonstrate control and the dog demonstrates obedience and can get along with me during my visit, I can get the dogs approved. In instances where the dog has not been trained properly or the dog exhibits dangerous tendencies during my visit, then the dog is ineligible. My goal is to reward good owners with good coverage as I do not believe that dog owners should be punished simply for the breed of dog they own.
Our homeowners policies offer a lot of value in themselves, with benefits such as 24-hour repair service and replacement cost for lost items, but for dog owners like you and I, being able feel the security of owning a specific breed and knowing that we are protected is not easily found.
Your blog was a great read, and if I can be any help in the future, please let me know.
Nicholas Culafi | Sales Representative | Liberty Mutual Insurance
771 Southbridge Street | Auburn, MA 01501
Office (508) 755-7326 ex. 52495 |Cell (508) 304-0381| Fax (508) 832-5373
Liberty Mutual will give coverage to owners of a Pit Bull with the following criteria:
• You must have a fenced in yard
• The dog must be Spayed / Neutered
• You have to have owned the dog for more than 6-months
• You can not have any children (Not sure what age group is considered “children”)
• The dog can not have a bite history
Liberty Mutual will make decisions on a case by case basis. If the dog has their Canine Good Citizens Certificate (CGC) some of the criteria may change.
Massachusetts Property Insurance Underwriting Association (MPIUA):
(Also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance)
MPIUA will offer insurance to home owners with a Pit Bull but it will not be liable for any incidents involving that animal.
Phone: (617) 723.3800
Toll Free MA (800) 392.6108
Toll Free USA (800) 851.897
Pit Bulls are normally not covered by Safety however they are willing to look at individual situations especially when there are no children in the household and the yard is completely fenced.