*Loan,banking and credit>>>homeowner insurance

Need Homeowners Insurance but have three Pit bulls, do I have to disclose this information when applying?

I have three pitbulls that I have had for five years. Now I am trying to buy a house and I know it's going to be a problem trying to get HO Ins. Is there any way around getting the ins. with the dogs?

I hate to say this but you won't be getting insurance...period, unless you agree to exclude any coverage from any claims that arise from the dogs.

Insurers have stopped covering homes with potentially dangerous dogs and pit bulls top the list.

Want to know why? The average dog bite claim in America is more than $15,000 and there are so many of them that this is now a $2-Billion problem in America.

Lawyers (who get a 40% cut of any settlement) have made this now a cottage industry....pretty much guaranteeing they can get you about $15,000 no matter how bad the injury.

Even just a small nip that is hardly noticeable is worth thousands and thousands of dollars.

So, thank the greedy trial lawyers for making it near impossible for even responsible dog owners to get properly insured.

Now, if you lie on your application and tell them you don't have the dogs and they find out later you do.....they will not only cancel your insurance for lying but then refuse to indemnify you in case of a proper claim....which means you'll not only lose your coverage but then you'll have to pay the damage claim yourself.

If you can't get HO coverage anywhere else, most states have a high risk pool mostly known as FAIR Plans. You can contact your state's FAIR plan and get coverage from them.

Not many insurance companies will insure a home with one pit bull let alone three. However, they will not usually ask you if you own any dogs. It's a risk you have to decide to take. Good luck to you.
Most would not cover any liablity to the animals and may even void your coverage if you are asked and lie about it.

So why risk having insurance for 3 years, and then find out theywould not pay if you had a claim because you were not truthful about the dogs.
Yes, you have to tell them. You know that your insurance coverage follows them wherever they go and whatever they do, right? They have a right to know if they're taking on that kind of risk, which they probably won't.
claims person
It is going to be extremely difficult for you to get homeowners insurance if you have pitbulls. If you lie on the the application they can deny a claim even if it happens 5 years down the road. It is considered a material misrepresentation and they could deny ANY type of claim that you have because if they had known about the pitbulls they would not have insured you.

Every company asks about pets. I do have one company that does not exclude certain types of dogs but will not write a home that has a pet with vicious tendencies.
if your asked and lie that could be considered as defraduing an insurance company and it's likely that your insurance could be null and voided.