September 26th, 2013
01:50 PM ET

Families Forced To Choose Between Home Insurance Or Dog

It's an impossible dilemma for dog lovers: what to choose between keeping your dog or your home insurance? A number of home insurance companies are now dropping or cancelling coverage for people who own certain dog breeds commonly known to be more vicious, like pit bulls.

But many dog owners say their pets shouldn't be considered a liability, they're family. CNN's Zoraida Sambolin reports.

Colorado Resident Susie Salazar is one person having to choose between fido at home or a home without insurance.

She says after being with the same insurance company for nearly 17 years, American Family Insurance dropped her in April.

Salazar  says, "We were informed that you have a pit bull in your home and we have to drop your coverage."

The company's spokesperson explaining their decision to affiliate KUSA saying:

"We made a decision that there were certain breeds of dogs that we would no longer ensure, and pit bulls are one of those breeds."

What would you choose if you were faced with a similar problem?


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soundoff (5 Responses)
  1. susan laverty

    I would keep the dog,drop the insurance. They insure killers and pedofiles and let them stay. All dogs can bite. My pit saved my life and she loves kids cats. I am 67 and once I was ignorant to. Judge the deed not the breed. If you have a claim, they usually drop you any way. They should have riders for dogs that would let us be responsible for any problems they may cause. And still insure the home

    November 18, 2013 at 6:37 pm | Reply
  2. naptownstiredson

    That sounds like Maryland. Just ask the pitbull owners who are faced with the same choice in the "free state".

    October 8, 2013 at 7:21 pm | Reply
  3. Nancy

    Easy choice for me: Shop for a new insurance company! Why would I want to be insured by a company that is so ill-informed? The "breed" doesn't cause aggression; the training and/or temperament do. With that line of faulty reasoning, why not just outlaw all dogs? They all have teeth and potential to bite. Does that make sense–?

    September 28, 2013 at 3:51 pm | Reply
  4. Autumn J

    Until people drop their home owners insurance companies that blatently oppose certain breeds despite good training and upbringing these companies are doing their best to take your money and give nothing in return but grief. I have a two year old pit bull that is around 75 pounds, very well mannered and the most he does is chase our cat in the house he is very loving and would not hurt a fly! These companies are designed to show up when things go down and any dog can bite, my chi-pom bites more than he ever would and she is so tiny their argument would be ridiculous in court. DROP EM!

    September 28, 2013 at 11:40 am | Reply
  5. Andrea V.

    We rent. We have have State Farm for our insurance company and they allow any breed as long as they are not trained to be aggressive. But our landlords Home owners insurance will not allow pit bulls, Rottweilers, German Shepherds etc... Breeds that are considered to be aggressive. We had a rottweiler and were unable to keep him do to this. It is really unfair because not all dogs in one breed our vicious. It is in how they are raised. If the dog is raised in a friendly loving environment, they are going to be great dogs. If they are raised to fight, be aggressive then they are going to be aggressive. I am a big believer in nurture over nature.

    September 26, 2013 at 3:22 pm | Reply

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