yeah, the insurance companies have a list of most dangerous breeds which they use to rate up the policy. if the home owner's pit causes injury or death to someone, the insurance company may terminate or non-renew the policy. then, the homeowner is non insurable which is not a good thing.

a good PI lawyer will not only go after the homeowner's insurance policy, they will get a judgment and then garnish wages, seize cars, etc etc. it can get nasty real quick, especially if the pit killed someone important. he**, it can even go criminal.