* Breed Restrictions Vary: Insurance companies have different policies regarding dog breeds. Some have outright breed bans, while others may have restrictions based on factors like size, history, or perceived risk.
* Individual Assessment: Insurance decisions are made on a case-by-case basis, considering factors like the dog's history, training, temperament, and the homeowner's risk profile.
* State Regulations: Some states have laws prohibiting insurance companies from discriminating based solely on breed. However, insurance companies still can consider other factors related to the dog.
How to Find Out:
1. Contact Insurance Companies Directly: Call or visit the websites of several insurance companies and inquire about their dog breed policies. Be prepared to provide details about your dog.
2. Talk to Your Insurance Broker: If you work with an insurance broker, they can help you find companies that will cover your American Bull Terrier.
3. Look for Companies with "Dog-Friendly" Policies: Some companies specialize in pet insurance or have more inclusive policies regarding dog breeds.
Remember: It's important to be upfront and honest with insurance companies about your dog's breed and any past behavior issues.