"Dog owners often find themselves facing a particular dilemma when trying to secure homeowner's insurance. While insurance is a must for anyone wanting to own their own house, many home owners face higher premiums, inferior policies, or even blacklisting by insurance agencies -- simply because they own a dog.
Homeowner's insurance doesn't just protect against natural disasters, theft and other mishaps. It also shields policy holders against lawsuits arising from injuries or damages, even those related to pets. However, thanks to the increasing cost of litigation -- especially those surrounding dog bites and other dog-related incidents -- many insurance companies refuse to write coverage for homeowners who also own certain breeds of dog.
If you're a homeowner and a dog lover, this guide is for you. Here, you'll find facts on the relationship between dog ownership and home insurance, which breeds create the most problems for homeowners, and how to find the cheapest and most affordable homeowner's insurance possible."
Below are the report's list of dogs considered "bad breeds" and links to several other similar articles contained in the report. For additional information, go directly to the US Insurance Agents website.
I personally found the article titled "14 Dog Breeds Blacklisted by Insurance Companies" (Psychology Today) to be especially interesting, because it included several surprising breeds (including the gentle giant Great Danes).
The following types of dog are most often considered "bad breeds" by many insurance companies:
- Alaskan Malamute
- Chow Chow
- German Shepherd
- Pit Bull
- Siberian Husky
- Wolf Hybrid
- 10 Dog Breeds Blacklisted by Insurers (MSN)
- 14 Dog Breeds Blacklisted by Insurance Companies (Psychology Today)
- The Case Against Dog Breed Discrimination by Homeowners' Insurance Companies (Humane Society)
- Homeowners Insurance (Bless the Bullys)