There are a number of dog breeds that are considered high risk and can cost owner's more to insure, or may be banned all together from some insurance companies.
Homeowners insurance and pet insurance can both be affected by owning a dog that is considered 'dangerous'. Many see this as discriminatory practice, but with up to a third of liability claims against homeowners caused by dog bites, high risk dogs are a concern for insurance companies.
High Risk Dog Breeds
High risk breeds include:
- Rottweilers
- Pit Bulls
- German Shepherds
- Doberman Pinschers
- Akitas
- Chow Chows
- Wolf hybrids
- Presa/Dogo Canarios
Some insurance policies require a limit to the number of high risk dogs in a home, while others are completely banned. Insurance is regulated on a state level so high risk breeds will vary from state to state, and also can differ for each insurance company. Get in touch with your local representative if you feel these practices are discrimination and shop around for insurance.