Although most dogs are loving and sweet, some breeds are judged by their bloodlines. Because of your dog’s breed, your homeowner’s insurance company may decide that your dog is a danger and a future claim risk. Dangerous dog insurance can be difficult to obtain with traditional homeowner’s insurance policies, and if they do offer you coverage, you may have to pay a premium for it.
There are many dog breeds that tend to be singled out by insurance companies as high-risk. Breeds like Pitbulls, Dobermans, wolf hybrids (even if they look nothing like a wolf), Akitas, Great Danes, Huskies, Boxers, German Shepherds, and Chow Chows are targeted often. As a homeowner with one of these breeds, or even a mutt that is part one of these types of dogs, you may have to look into an alternate dangerous dog insurance policy, rather than rely on your homeowner’s policy.
Sadly, even though your dog may be the gentlest, sweetest dog in your neighborhood, you may still have to deal with this issue. Smaller breeds may be more likely to have aggression issues (although many dog owners will tell you that no breed is more likely to bite than another), but larger breeds tend to be of more concern simply because if they do attack, they can be more likely to cause serious injury or death.”