{"id":320418,"date":"2025-11-26T19:19:58","date_gmt":"2025-11-26T19:19:58","guid":{"rendered":"https:\/\/som2nypost.com\/business\/insurance\/can-i-get-home-insurance-if-i-have-a-pit-bull\/"},"modified":"2025-11-26T19:19:58","modified_gmt":"2025-11-26T19:19:58","slug":"can-i-get-home-insurance-if-i-have-a-pit-bull","status":"publish","type":"post","link":"https:\/\/som2nypost.com\/?p=320418","title":{"rendered":"Can I Get Home Insurance If I Have A Pit Bull?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p data-pm-slice=\"1 1 []\">Home insurance includes <strong>personal liability coverage<\/strong>, which helps cover costs if your dog bites someone or damages property. With dog bite claims costing insurers over <strong>$1.1 billion in 2023<\/strong>, companies use breed data and risk models to decide what (and who) they\u2019re willing to insure. The insurance industry relies on risk assessment processes that consider a dog\u2019s breed, perceived risk, and historical data from various dog breeds.<\/p>\n<p>Certain breeds, including pit bulls, are often flagged as high-risk\u2014not necessarily because they\u2019re dangerous, but because of claim severity and media attention. The perceived risk associated with certain dog breeds, including pit bulls and other dog breeds like Rottweilers and Dobermans, influences insurance company decisions.<\/p>\n<p>These are examples of certain dog breeds commonly found on banned lists, but the insurance industry evaluates various dog breeds differently depending on their risk assessment models:<\/p>\n<p>But here\u2019s the good news: <strong>more insurers are shifting toward evaluating dogs individually<\/strong>, based on training, temperament, and behavior.<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Home insurance includes personal liability coverage, which helps cover costs if your dog bites someone or damages property. With dog bite claims costing insurers over $1.1 billion in 2023, companies use breed data and risk models to decide what (and who) they\u2019re willing to insure. The insurance industry relies on risk assessment processes that consider [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":320419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[1205,1159,11034,10469],"dealstore":[],"offerexpiration":[],"class_list":["post-320418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-bull","tag-home","tag-insurance","tag-pit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can I Get Home Insurance If I Have A Pit Bull? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/som2nypost.com\/?p=320418\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can I Get Home Insurance If I Have A Pit Bull? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Home insurance includes personal liability coverage, which helps cover costs if your dog bites someone or damages property. With dog bite claims costing insurers over $1.1 billion in 2023, companies use breed data and risk models to decide what (and who) they\u2019re willing to insure. The insurance industry relies on risk assessment processes that consider [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/som2nypost.com\/?p=320418\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-26T19:19:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/som2nypost.com\/wp-content\/uploads\/2025\/11\/0001-19971424232_20220226_233614_0000.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/som2nypost.com\/?p=320418#article\",\"isPartOf\":{\"@id\":\"https:\/\/som2nypost.com\/?p=320418\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/person\/a66cfe5cdcbceba9b5562fe085bcaba4\"},\"headline\":\"Can I Get Home Insurance If I Have A Pit Bull?\",\"datePublished\":\"2025-11-26T19:19:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/som2nypost.com\/?p=320418\"},\"wordCount\":174,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/som2nypost.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/som2nypost.com\/?p=320418#primaryimage\"},\"thumbnailUrl\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2025\/11\/0001-19971424232_20220226_233614_0000.png\",\"keywords\":[\"Bull\",\"Home\",\"insurance\",\"PIT\"],\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/som2nypost.com\/?p=320418#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/som2nypost.com\/?p=320418\",\"url\":\"https:\/\/som2nypost.com\/?p=320418\",\"name\":\"Can I Get Home Insurance If I Have A Pit Bull? 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