Nationwide offers renters and homeowners insurance to those who own pit bulls if they have also obtained a Canine Good Citizen Certificate (CGC). The CGC programme is run by the American Kennel Club and the certificate is awarded to dogs that meet certain behavioural standards. It is a stand-alone policy that is useful if your homeowner's or renter's insurance does not provide coverage for your breed. However, some homeowners and renters insurance companies do not offer coverage based on the size and breed of the dog, especially large dogs and breeds considered aggressive.
Ronda Lee is associate insurance editor at Personal Finance Insider and covers life, auto, homeowners and renters insurance for consumers. Dogs known to be aggressive, trained attack dogs, unneutered male dogs and dogs with a history of biting are often excluded, according to American Family Insurance. Some insurance companies exclude large dogs and certain breeds, such as pit bulls, from liability coverage. If you have homeowners or renters insurance, dog bites are covered under your policy's liability coverage.
An umbrella policy is additional liability coverage that is available as a rider to your homeowners or renters insurance. Failure to notify your insurance company of the type of breed may result in denial of your claim, in which case you would be personally liable for the costs. If you are considering keeping a pit bull as a pet and you already have homeowners or renters insurance, contact your agent to see if an umbrella policy offers coverage.