10 Best Dog-Friendly Homeowners Insurance Companies in 2024
AAA, Allstate, and Chubb are the best dog-friendly homeowners insurance companies, with specific data rates starting at $35 per month. These top providers offer comprehensive coverage, flexible policies, and excellent customer service, ensuring both your home and pets are well protected.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsCompany Facts
Full Coverage for Dog-Friendly Homeowners Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
69 reviewsCompany Facts
Full Coverage for Dog-Friendly Homeowners Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
69 reviewsThe best dog-friendly homeowners insurance companies are AAA, Allstate, and Chubb, offering rates from $35 per month. These top providers excel in comprehensive coverage, tailored policies, and exceptional customer service, making them ideal for dog owners.
AAA stands out as the top pick overall for its flexible coverage options and competitive rates. Allstate provides extensive add-on coverages, while Chubb is renowned for its premier customer service.
Our Top 10 Picks: Best Dog-Friendly Homeowners Insurance Companies
| Company | Rank | Dog Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 11% | A | Teen Drivers | AAA |
 | #2 | 10% | A+ | Add-on Coverages | Allstate |
 | #3 | 8% | A++ | Customer Service | Chubb |
 | #4 | 4% | A+ | Dividend Payments | Amica |
 | #5 | 5% | A++ | Accidents | Auto-Owners |
 | #6 | 5% | A | Young Volunteers | American Family |
 | #7 | 7% | A++ | Agency Network | State Farm |
 | #8 | 5% | A+ | Personalized Policies | Erie |
 | #9 | 8% | A++ | Various Discounts | Geico |
 | #10 | 9% | A | Teachers & Students | Liberty Mutual |
This guide will help you understand the key factors to consider when choosing the right insurance for your home and pet, ensuring you find the best coverage to protect both.
Don’t miss out on the opportunity to ensure the safety and security of your home and beloved pet. Enter your ZIP code now to compare rates from the best insurance providers in your area and find the perfect coverage for your unique needs.
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#1 – AAA: Top Overall Pick
Pros
- Dog Lover Discount: AAA offers an 11% discount for dog owners, making it budget-friendly.
- Roadside Assistance: Comprehensive roadside assistance is included in many policies.
- Flexible Payment Plans: AAA insurance review & ratings provides flexible payment options for ease of budgeting.
Cons
- Membership Requirement: Insurance services often require an AAA membership.
- Coverage Limitations: Some coverage options may be limited compared to competitors.
#2 – Allstate: Best for Add-on Coverages
Pros
- Dog Lover Discount: Allstate insurance review & ratings reveals that it provides a 10% discount for dog owners.
- Customizable Policies: Offers a wide range of add-on coverages to tailor policies to individual needs.
- Digital Tools: Robust online and mobile tools for easy policy management.
Cons
- Higher Premiums: Allstate’s premiums can be higher compared to some other insurers.
- Mixed Customer Reviews: Customer service experiences can be inconsistent.
#3 – Chubb: Premier Customer Service
Pros
- Dog Lover Discount: Chubb offers an 8% discount for dog owners.
- Superior Claims Service: Chubb insurance review & ratings highlighted its exceptional customer service and fast claims processing.
- High Coverage Limits: Offers high coverage limits for valuable homes and assets.
Cons
- Cost: Higher premiums compared to many other providers.
- Eligibility: More selective in terms of policy eligibility and acceptance.
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#4 – Amica: Best for Dividend Payments
Pros
- Dog Lover Discount: Amica offers a 4% discount for dog owners. To gain more insight, check out this relevant guide “Amica Homeowners Insurance Review“
- Dividend Policies: Potential to receive dividends, reducing the overall cost of insurance.
- Customer Satisfaction: High ratings in customer satisfaction and service.
Cons
- Limited Availability: Not available in all states.
- Upfront Costs: Initial premium costs can be higher before dividends are factored in.
#5 – Auto-Owners: Best for Accidents
Pros
- Dog Lover Discount: Auto-Owners insurance review & ratings provides a 5% discount for dog owners.
- Accident Forgiveness: Features accident forgiveness options in their policies.
- Personal Agent Service: Access to local agents for personalized service.
Cons
- Limited Online Tools: Less emphasis on digital tools and online policy management.
- Regional Availability: Coverage options can vary widely by region.
#6 – American Family: Best for Young Volunteers
Pros
- Dog Lover Discount: American Family insurance review & ratings reveals that it offers a 5% discount for dog owners.
- Young Volunteer Incentives: Provides special incentives for young volunteers.
- Comprehensive Coverage: Broad range of coverage options available.
Cons
- Discount Limitations: Discounts may not be as substantial as those offered by other insurers.
- Customer Service Variability: Quality of customer service can vary by location.
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#7 – State Farm: Best for Agency Network
Pros
- Dog Lover Discount: State Farm offers a 7% discount for dog owners. To learn more, read our State Farm insurance review & ratings.
- Bundling Policies: Offers significant discounts for bundling multiple insurance policies.
- Wide Coverage Options: Various coverage options tailored for different needs.
Cons
- Premium Costs: Premiums might still be relatively higher for certain coverage levels.
- Limited Multi-Policy Discount: Multi-policy discount is not as high compared to some competitors.
#8 – Erie: Best for Personalized Policies
Pros
- Dog Lover Discount: Erie insurance review & ratings show that it provides a 5% discount for dog owners.
- Personalized Policies: Highly customizable policies to fit individual needs.
- Competitive Rates: Often offers lower rates compared to competitors.
Cons
- Regional Coverage: Only available in certain states.
- Limited Digital Tools: Fewer online tools and resources compared to other companies.
#9 – Geico: Best for Various Discounts
Pros
- Dog Lover Discount: Geico offers an 8% discount for dog owners.
- Various Discounts: Provides a wide range of discounts beyond dog ownership. Read thorough this guide titled “Do Geico Employees get Car insurance discounts?“
- User-Friendly Digital Experience: Excellent online and mobile services.
Cons
- Limited Agent Network: Less access to personal agents for service.
- Coverage Restrictions: Some coverage options may be more limited.
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#10 – Liberty Mutual: Best for Teachers & Students
Pros
- Dog Lover Discount: Offers a 9% discount for dog owners. Browse through our Liberty Mutual review & ratings to find out more.
- Special Discounts for Educators: Offers tailored discounts for teachers and students.
- Comprehensive Coverage Options: Wide variety of coverage options available.
Cons
- Higher Premiums: Premiums can be higher compared to some other insurers.
- Customer Service: Mixed reviews on customer service experiences.
The Importance of Homeowners Insurance for Dog Owners
Homeowners insurance is important for anyone who owns their own home, but homeowners insurance for pet owners is especially important in terms of liability coverage. Consider the following statistics concerning dog owners and homeowners insurance:
- Nearly 50 million households in the U.S. own at least one dog.
- More than 4.5 million people get bit by dogs annually, many of them requiring significant medical attention.
- The average cost of a dog-bite-related claim in 2018 was over $39,000.
- Breed outlawing is illegal in some states, but many insurance companies deny homeowners insurance to people with certain dog breeds considered dangerous.
If you own a dog, revisit your homeowners insurance policy to ensure your specific breed is covered. Contact your insurance company if you got a dog after purchasing your homeowners insurance policy.
Make sure your existing homeowners policy covers your dog. If it doesn’t, make the necessary policy adjustments, so you have coverage in the event of a dog-related incident.
Homeowners Insurance is More Expensive With a Dog
Homeowners insurance for dog owners may be more expensive than your area’s average home insurance premium, though rates vary based on several factors.
Home Insurance Monthly Rates for Dog Owners by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $43 | $92 |
| Allstate | $45 | $95 |
| Amica | $40 | $85 |
| American Family | $42 | $90 |
| Auto-Owners | $48 | $100 |
| Chubb | $50 | $105 |
| Erie | $38 | $80 |
| Geico | $35 | $75 |
| Liberty Mutual | $47 | $98 |
| State Farm | $42 | $88 |
Some of the most common factors that impact a person’s homeowners insurance rates include:
- Location
- Home price
- Coverage amount
- Home’s age and condition
- Credit score
- Safety features
- Deductible
The table below shows the average annual homeowners insurance premium in each state.
Home Insurance Monthly Rates by State
State Monthly Rates
Alabama $119
Alaska $80
Arizona $69
Arkansas $114
California $84
Colorado $125
Connecticut $123
Delaware $69
Florida $163
Georgia $106
Hawaii $92
Idaho $61
Illinois $88
Indiana $83
Iowa $80
Kansas $132
Kentucky $92
Louisiana $164
Maine $74
Maryland $86
Massachusetts $124
Michigan $79
Minnesota $112
Mississippi $128
Missouri $107
Montana $98
Nebraska $123
Nevada $63
New Hampshire $81
New Jersey $99
New Mexico $85
New York $109
North Carolina $91
North Dakota $104
Ohio $72
Oklahoma $157
Oregon $56
Pennsylvania $78
Rhode Island $129
South Carolina $106
South Dakota $100
Tennessee $100
Texas $158
Utah $58
Vermont $77
Virginia $83
Washington $71
Washington, D.C. $103
West Virginia $78
Wisconsin $65
Wyoming $96
U.S. Average $101
While rates may be different from what the table lists for your state, the premiums above should give you a better idea of how much homeowners insurance may cost where you live.
If you are a dog owner, your rates may be higher than your state’s average when you get quotes from different companies. The best way to find cheap homeowners insurance rates when you own a dog is to compare quotes from companies in your area.
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Some Insurance Companies Ban Certain Dog Breeds
Dogs can cause problems for liability coverage in many ways. If a dog bites someone, jumps on someone, or aggressively runs toward a person resulting in their injury, you may have to file an expensive homeowners claim. To learn more, check out our comprehensive guide “How to File a Home Insurance Claim“
Many insurance companies banned some of the breeds responsible for most of these offenses to offset claims costs. If you have a breed that an insurance company bans, it will deny you coverage.
Not all insurance companies have strict rules about banned dog breeds — some take each policy application on a case-by-case basis to decide whether to offer coverage. However, you may pay higher-than-average rates for homeowners insurance because you are a dog owner.
Most Often Banned Dog Breeds
Many companies that have a ban list the same dog breeds. The breeds most often banned include:
- Pit bulls
- Doberman pinschers
- Rottweilers
- Chow Chows
- Wolf hybrids
- Presa Canarios
- Akitas
- German shepherds
- Huskies
Whether a homeowners insurance company bans your dog breed depends on a case-by-case basis. Some companies have long lists of dog breeds it refuses to insure, while others don’t have a list. For further insight, read our relevant guide titled “The Most Common Pet Insurance Claims“
The table below shows dog bite statistics in the U.S. from the 1980s through 2014. These statistics often influence the conclusions certain insurance companies draw concerning safe vs. unsafe breeds.
Top 30 Dog Bite Statistics by Breed
Rank Breed Number of Annual Attacks
#1 Pitbull 3,397
#2 Rottweiler 535
#3 German Shepherd 113
#4 Bullmastiff (Presa Canario) 111
#5 Wolf Hybrid 85
#6 Husky 83
#7 Akita 70
#8 Boxer 64
#9 Chow 61
#10 Labrador 56
#11 Pitbull/Rottweiler Mix 56
#12 German Shepherd Mix 45
#13 Pitbull/Labrador Mix 43
#14 Great Dane 37
#15 Pitbull/Boxer Mix 35
#16 Mastiff 28
#17 Labrador Mix 27
#18 Doberman 23
#19 Pit Mix Unknown 22
#20 Cane Corso/Italian Mastiff 21
#21 Blue Heeler 20
#22 Bulldog (English) 20
#23 Rottweiler/German Shepherd Mix 18
#24 Malamute 15
#25 Pitbull/German Shepherd Mix 15
#26 Australian Blue Heeler 13
#27 Saint Bernard 12
#28 Australian Shepherd 11
#29 German Shepherd/Labrador Mix 11
#30 Golden Retriever 11
While the table shows the dog breeds most often responsible for homeowners insurance claims at the top, many experts agree that breed discrimination is not an effective way to prevent dog bites or attacks.
Find the Best Homeowners Insurance as Dog Owners
To find the best insurance as a dog owner, follow these steps:
- Shop Around: Compare coverage options from multiple insurance companies. One company may offer the coverage you want at a much lower price than others.
- Take Precautions: Fence in your dog and consider enrolling them in obedience or socialization classes. Some insurance companies may offer discounts for these extra precautions.
- Consider a Separate Liability Policy: A liability policy for your pet can cost between $100 and $1,000 annually but can provide valuable coverage.
Though rates may be higher for dog owners, these strategies can help you find the best homeowners insurance by comparing insurance quotes online at a lower price.
Additionally, obtaining online quotes can simplify the process and help you quickly compare options.
Read more: Best Business Insurance for Dog Walkers
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Case Studies: Dog-Friendly Homeowners Insurance Success Stories
Choosing the right homeowners insurance is crucial for dog owners who want to protect both their homes and their furry companions. The following case studies illustrate how selecting the best dog-friendly homeowners insurance companies can meet unique needs and provide peace of mind.
- Case Study #1– Comprehensive Coverage: Lisa adopted a German Shepherd and needed insurance that covered breed restrictions. She chose AAA for its flexible policies and competitive rates, gaining comprehensive coverage and liability protection.
- Case Study #2– Tailored Policies: Tom and Sarah, with two large dogs, required customized insurance. Allstate provided them with tailored policies and extensive add-ons, ensuring thorough coverage for their home and pets.
- Case Study #3– Exceptional Service: Mark, a new dog owner, sought excellent customer service and robust coverage. He chose Chubb for its premier service and comprehensive policies, receiving the protection he needed with ease.
These case studies highlight how choosing the best dog-friendly homeowners insurance companies like AAA, Allstate, and Chubb can provide comprehensive coverage, tailored policies, and exceptional service.
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Ensure your home and pets are protected by selecting the right insurance provider for your needs. For more affordable options, explore tips for cheap home insurance.
Homeowners Insurance for Dog Owners: The Bottom Line
Finding the right coverage can be challenging for pet owners, but there are several options for dog-friendly homeowners insurance. For those with specific breeds, such as pit bulls, finding pitbull-friendly homeowners insurance is essential. When searching for homeowners insurance with dogs, it’s important to consider policies like those offered by Allstate and State Farm, which may have restricted dog breeds.
Opting for dog-friendly home insurance that includes homeowners insurance without breed restrictions can offer peace of mind. Home insurance for pets should cover a wide range of potential incidents, providing robust dog homeowners insurance. Be aware of the aggressive dog breeds insurance list, as certain breeds might affect your coverage. To gain more insight, read our “How To Get Free Insurance Quotes Online”
Understanding which house insurance dog breeds are covered is crucial, especially since homeowners insurance and dog breeds often have specific conditions. Companies like USAA might have dog breed restrictions in their homeowners insurance policies. You can shop for coverage with multiple companies to try and find some that cover your dog breed, compare quotes to find the cheapest coverage in your area.
Frequently Asked Questions
Why is homeowners insurance important for dog owners?
Homeowners insurance is crucial for dog owners as it provides the necessary liability coverage you need if your dog harms or injures someone. Gain more information by reading our “Liability Insurance: A Complete Guide“
Why do some insurance companies ban certain dog breeds?
Many insurance companies ban certain dog breeds because these breeds have been responsible for a significant number of dog bites, and therefore, may pose a higher risk of liability for insurance companies.
Find the cheapest home insurance today by entering your ZIP code below into our free comparison tool.
What dog breeds are most often banned by insurance companies?
The breeds most often banned include Pit Bulls, Rottweilers, Chow Chows, and German Shepherds.
Is homeowners insurance more expensive with a dog?
Homeowners insurance for dog owners may be more expensive than the average home insurance premium due to several factors such as the breed of dog, size of the dog, and history of dog bites.
How can dog owners find the best homeowners insurance?
Dog owners can find the best homeowners insurance by shopping around with multiple companies, comparing quotes, and considering factors such as the amount of coverage, deductible, and exclusions.
For further details, consult our guide “What is a High-Deductible Health Plan?“
Should dog owners inform their insurance company if they get a dog?
Yes, dog owners should inform their insurance company immediately if they get a dog as some companies may refuse to offer homeowners insurance to individuals who own certain dog breeds.
What should dog owners look for in a homeowners insurance policy?
Dog owners should look for comprehensive liability coverage, breed inclusion, and flexibility in policy terms to ensure their home and pets are well protected.
Are there insurance companies that do not have breed restrictions?
Yes, some insurance companies evaluate policies on a case-by-case basis and do not have strict breed restrictions, but they may charge higher premiums for certain breeds.
For more information, read our detailed resource titled “How does the insurance company determine my premium?” for further insights.
Can existing homeowners insurance policies be adjusted to include a new dog?
Yes, many insurance companies allow policyholders to adjust their existing policies to include a new dog, but it is important to inform the insurer as soon as the pet is acquired.
For more details, refer to our extensive guide “22 Tips for How to Get Cheap Home Insurance,” and save on your premiums today.
What are some ways to lower homeowners insurance premiums as a dog owner?
Dog owners can lower their premiums by comparing quotes from multiple insurers, increasing their deductible, and ensuring their dog is well-trained and socialized.
Secure cheap insurance for your home by entering your ZIP code into our free quote comparison tool below.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.