Pets & Animal Dog Breeds

Is Your Dog On The Insurance Company Blacklist?

Millions of people are bitten annually in the United States.
When one of these bites turns into a lawsuit usually homeowners insurance comes into play.
Insurance companies claim that over one third of all claims in 2013 were from a dog bite or attack.
Sure you love your dog no matter what the breed is however the insurance companies have a list of dogs that they do not and will not cover with your homeowners insurance.
Of course some dog owners say that we will just lie about having out pit bull.
Well that can be a huge problem for you because virtually all insurance have a clause in their policies that states if you lie or withhold information then that potion of your policy is null and void.
Insurance companies don't hate any particular breed of dog they are simply in the business of making a profit and they have found that certain breeds cost them the most in claims.
Here is the list of 14 dogs that appear to be the breeds most often rejected by insurance companies.
Please don't shoot the messenger here, these breeds are mentioned all over the internet if you do a Google search so I did not personally pick these dogs.
  • Pit Bull Terriers
  • Staffordshire Terriers
  • Rottweilers
  • German Shepherds
  • Presa Canarios
  • Chows Chows
  • Doberman Pinschers
  • Akitas
  • Wolf-hybrids
  • Mastiffs
  • Cane Corsos
  • Great Danes
  • Alaskan Malamutes
  • Siberian Huskies
Does this mean that these dogs are bad, absolutely not, however the numbers of bites from these 14 breeds top the list.
Here is something that may make you happy if your dog is on the list.
The states of Michigan and Pennsylvania have now restricted the use of a breed specific list by insurance companies.
In fact from the information that I was able to find there are another 10 states considering doing the same thing.
The states want the insurance companies to base their decisions on your dog's history of aggression.
Keep in mind that currently if your dog bites and your insurance company becomes involved you can pretty much expect your policy to be cancelled.
That means that you will have to get rid of the dog or go to a high risk insurance carrier.
Neither of those choices is a good option for a dog lover.
So train your dog well.
Let people see that you have a well behaved and obedient dog by taking your dog through the Canine Good Citizen Program that is offered by the A.
K.
C.
and offered to you locally by a Canine Good Citizen Evaluator in your area.
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