If you are a pitbull owner in Pennsylvania shopping for renter's insurance, finding insurance to cover your pet can be a struggle. Although the pitbull is classified as an aggressive dog, the state does not discriminate against specific breeds. Insuring a pitbull owner is a risk for the insurance company, therefore rates may be higher.
Understand Your Rights
Dog owners in the Commonwealth of Pennsylvania are liable for medical bills if their pet causes injury. Even if your dog has never bitten anyone but inflicts "severe injury" on a victim, you are liable for pain and suffering, therapy, current and future medical expenses, scarring, and out-of-pocket expenses. Although the landlord likely has a homeowner's insurance policy, as a renter you are responsible for pet-related incidents on the property.
Determine if Your Dog is Dangerous
Pennsylvania law prohibits insurance companies from denying you coverage based solely on the breed. However, if you are the owner of a dangerous dog, you are required by law to have liability insurance of at least $50,000. A dangerous dog is one that has attacked a person or domestic animal without being provoked. Insurers can set premium rates higher to reflect the risk of insuring a dangerous dog.
Talk to Others
Talk to other to local Pennsylvania residents about insurance companies that offer affordable rates. Look online for local pet groups or visit dark parks in your area to connect with other pitbull owners. The pitbull national breed club also may have suggestions for finding insurance. Request a list of all insurance companies in your area by calling the county commissioner's office.
Complete the Canine Good Citizen Program
Certain insurance companies have started allowing pet owners with breeds prohibited in other states to obtain insurance if their pet completes the American Kennel Association's Canine Good Citizen Program. The certification program rewards well-trained dogs who demonstrate good behavior at home and in the community. Training your dog also reduces the likelihood of an attack and higher rates.
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