Depending on where you live, you may be required to carry additional insurance based on the breed of your dog. For example, in Ohio, households with pit bull-type dogs (and it’s up to the officer to determine if the dog is a “pit bull”) are required to maintain a minimum of $100,000 in liability insurance.
While homeowner’s insurance typically has that coverage, some insurance companies specifically have exclusions so specific dog breeds are not covered.
You’ll need to check with your insurance company for the specifics and, if not covered, find a pit bull-friendly insurance company for coverage.
Ask your insurance company about ways to trim these costs. Some companies recommend getting your dog Canine Good Citizen certification from the American Kennel Club as evidence that your dog is well trained.
The AKC also recommends contacting breed associations for their members’ experiences on finding homeowner’s or renter’s insurance with your dog’s breed in mind.
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