Ask the Home Insurance Expert
QIs there a way I can insure my pit bull so that I will not be denied residency in an apartment complex with breed restrictions?
Like home insurance, renters insurance includes liability protection in case someone sues you for injuries or property damage that you, your family members or your pets cause. You might have to do some shopping around, though, to find an insurance company willing to sell you a policy that covers your dog for liability.
Some insurance companies refuse to write policies for certain breeds, including pit bulls, chow chows, German shepherds, Rottweilers or Siberian huskies. Other insurers make coverage decisions on a case-by-case basis, or charge higher premiums for certain breeds that have a reputation for biting. You could also find that an insurance company is willing to write a renters insurance policy for you, but excludes coverage for your dog.
Meanwhile, prevent aggressive behavior. If your dog bites someone, you'll have an even harder time finding liability coverage. Don't put your dog into situations where it will feel threatened or teased, and take your dog to obedience training with the goal of passing the canine good citizen test.
Buying renters insurance is a smart financial move. However, don't count on the insurance policy alone to sway an apartment manager to allow your dog if the complex rules clearly prohibit pit bulls.
For more, see home insurance for dog owners.