What Dog Breeds Are Uninsurable?


Homeowners With Uninsurable Dogs

While the debate about whether some dog breeds are naturally dangerous wears on, you might become uninsurable for home insurance because your dog’s breed is deemed too dangerous. Some home insurance companies are taking sides in the debate by banning customers with certain dogs from purchasing home insurance. While this may seem discriminatory to the dog owners, to insurance companies, it makes perfect sense—single out the breeds that are most likely to bite or be aggressive and receive lower insurance prices for less aggressive dogs. But this might not be fair to the insured homeowner with a non-aggressive Doberman who is about to have to go insurance shopping once more. Regardless, it is important to know what dog breeds make your home uninsurable and what breeds don't.

SEE ALSO: 5 Weird Home Insurance Claims That Are Actually Covered

The Breeds

The list of breeds that make your home uninsurable change from city to city, depending on the statistics the insurance companies have received and the concentration of a specific breed of dog in that population.Here are some of the most common breeds that cause insurance disputes in the United States:
  • Pit Bull
  • Akita
  • Chow Chow
  • Alaskan Malamute
  • German Shepherd
  • Doberman Pinscher
  • Siberian Husky
  • Rottweiler
  • Presa Canario
  • Staffordshire Bull Terrier
  • Wolf Hybrids
But what exactly makes these dog owners' homes uninsurable? When looking to see if a home should be uninsurable due to a dog, insurance companies look at statistics concerning the aggression and biting reported for that breed. The information they use may or may not be reliable, but either which way, it results in your home becoming uninsured.

SEE ALSO: Going Green Lowers Your Home Insurance

Insuring The Uninsurable

Once your home has been labeled uninsurable because of your dog, you can either fight the insurance company through safe dog certifications or you can find another insurance company for your home. Sometimes, insurance companies will allow you to get coverage for your home if your dog has a certain certification, like a dog obedience certificate. Proof of this certification needs to be sent in to the insurer to prove that your animal is safe. Other acceptable forms of documentation often include:
  • A letter from your dog’s veterinarian
  • A dog training certification
  • A note from your insurance agent (once they have visited the home and met your dog)
Another line of action your insurance company might take is to insure your home and yourself, but not your dog. In this case, you might want to purchase separate insurance for your dog in case he or she bites or injures someone. If none of this documentation will work, then you must find another home insurance company. But don’t worry. Even though your insurance costs per month might go up because you own a dog that is considered dangerous, you will still have insurance. Nearly every state has an insurance policy that covers dogs, regardless of breed.
Date of original publication:
Updated on: November 10, 2015

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