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If you are a home owner with a pit bull dog, or are considering a pit bull, you may be aware that your pet could affect your insurance. Here are some things to consider.

American Pit Bull Terrier, American Staffordshire Terriers and Staffordshire Bull Terriers are just some of the most popular breeds commonly known as pit bulls. Many of these dogs home insurance as a possible liability risks, because their owners are often held accountable by law if the dog is a person injured. If you have a homeowners insurance, you get a certain amount of coverage for liability for actions brought against you.

According to the Insurance Information Institute, dog bites cost the property and casualty insurance industry to $ 317.2 million in 2005. As the insurer of certain dog breeds such as a higher risk for a claim, they will often pay higher prices for home insurance pit bull owners.

However, the thing to realize is that each insurance company determines the pricing and underwriting guidelines based on several factors that are unique to the company. So prices - and the tolerance for the acceptance of dogs - can vary slightly from company to company. Whether you already have a Pit Bull, or a plan, you should compare several home insurance quotes. The Insurance Information Institute recommends at least three different offers.

This is easy to make by using online services from different Web sites. Or you want to use an insurance comparison website. These pages are not a company. Instead, you only need to fill out an online offer, you will get different offers back. These sites often use independent agents who are working to find you the lowest bids.

To further lower your homeowner insurance costs, increasing your deductible as well as taking advantage of all available discounts.

And finally, the Insurance Information Institute recommends proactively your chances in reducing dog bite liability. They recommend spaying or neutering your pet, to learn how to take control of your dog and properly socialize him or her, so they know how to act around other people and animals. Also talk to a veterinarian about ways to reduce aggressive behavior.

Compare Home insurance quotes for dog owners

Justin Scott writes about insurance. Get up to 5 residential insurance offers on the comparison site LowerYourInsurance.com. The website also provides more information on home and dogs.