34 Days of Homeowners Insurance
Day 014 | Why Some Dog Breeds are Blacklisted
According to Marilyn Monroe, “dogs never bite me. Just humans.“
She may be on to something.
People often feel that way when the insurance company has an issue with their dog.
Why Do Insurance Companies Discriminate Against Dogs?
It’s not all dogs. Depending on the insurance company, there are approximately 10-14 dog breeds that insurance companies are not a fan of.
It’s because historically, these dogs have been known to have aggressive tendencies.
“But my dog has never shown any signs of aggression towards anyone.“
I get it.
According to the Insurance Information Institute, dog-related injuries accounted for more than one-third of all homeowners insurance liability claims paid out in 2015.
What Types of Dogs are Considered Dangerous?
Again, it will depend on the insurance company, but here is a list of some of those dogs.
- Pit Bull Terriers
- Staffordshire Terriers
- German Shepherds
- Presa Canarios
- Chows Chows
- Doberman Pinschers
- Cane Corsos
- Great Danes
- Alaskan Malamutes
- Siberian Huskies
What happens if you don’t tell your insurance agent about your dog?
If your dog bites someone, the insurance company could deny the claim. And it’s going to be hard to get homeowners insurance in the future.
I share this not to cause anger or frustration. Make no bones about it, I want you to be an informed consumer.
Did you miss an episode? They’re all right here.
*The dog in the picture and video is a pomapoo. Pomapoo’s are not on the aggressive list with insurance companies. He wanted to be in the video.