High-risk dogs for insurance, often leading to coverage denial or higher premiums, are typically muscular breeds with strong jaws and histories of bite claims, including Pit Bulls, Rottweilers, German Shepherds, Doberman Pinschers, Akitas, Chows, Great Danes, Siberian Huskies, and Wolf Hybrids, though lists vary by insurer, with some banning specific breeds or types. Insurers base these decisions on bite statistics, leading to breed-specific restrictions, even if your dog is well-behaved.

What dogs are not allowed on insurance?

Dog breeds often banned by homeowner insurance companies

• Pit Bull. Pit Bulls have long been a controversial breed due to their reputation and not the individual dog themself. ...
• German Shepherd. ...
• Great Dane. ...
• Siberian Husky. ...
• Staffordshire Terrier. ...
• Rottweiler. ...
• Doberman Pinscher. ...
• Chow Chow.

What breed of dogs are considered high risk?

Dog Breeds Restricted by Insurance Policies

• Pit Bulls;
• German Shepherds;
• Chows;
• Staffordshire Terriers;
• Siberian Huskies;
• Rottweilers; and.
• Any wolf-dog hybrids.

What breeds of dogs increase homeowners insurance?

The dog breeds that most often cause an increase in your home insurance premium include:

• Akita.
• Alaskan Malamute.
• American Pit Bull Terrier.
• Chow Chow.
• Cane Corso.
• Doberman Pinscher.
• German Shepherd.
• Great Dane.

What dogs are on the restricted breed list?

Canine Breeds with Dominate Traits toward Aggression:

• Alaskan Malamute.
• American Pit-Bull Terrier.
• American Staffordshire Terrier.
• Boxer.
• Cane Corso.
• Dalmatian.
• Doberman Pincher.
• German Shepherd.

Tips from a Pro: Homeowners insurance and dog breed restrictions

What dog is the most expensive to insure?

The most expensive breed to insure is the Cane Corso, which according to the American Kennel Club often weighs more than 100 pounds. The least expensive breed to insure, the Chihuahua, usually weighs less than six pounds according to the American Kennel Club.

What dog breed to avoid?

Five dog breeds a vet claims you should not have as a pet are dachshund, French bulldog, Belgian malinois, border collie and labrador retriever.

Does having a dog affect your home insurance?

While liability coverage often covers dog bites, some dog breeds are excluded. Insurance companies sometimes exclude specific dog breeds because the risk of insuring them is too high. Having dogs that are considered high-risk can raise your home insurance cost.

What is the best dog for home insurance?

Labrador Retriever. Labrador Retrievers are known for their friendly and gentle nature, making them excellent family pets. They have a low likelihood of aggression, making them more favored by insurance companies. Their popularity and reputation often result in lower premiums for homeowners.

Should I tell my homeowners insurance about my dog?

Insurance companies base homeowners insurance premiums on risk, and pets— including many larger breeds of dogs—pose a potential bite risk. This is why you should declare any pets you have to your insurance company.

What dogs does State Farm not cover?

Does State Farm Exclude Dog Breeds from Coverage? Some insurance companies will exclude specific dog breeds, but State Farm does not. If you were attacked by a dog breed that is known to be more dangerous than others, you may have concerns that the insurance company will not pay out on your claim.

What dogs are hard to get homeowners insurance?

The most commonly excluded dog breeds are rottweilers, pit bulls, German shepherds, chow chows, and many wolf breeds. Stephanie Nieves. Her work has also appeared in Business Insider, Money, HerMoney, PayScale, and The Muse.

What is the 80% rule in homeowners insurance?

The 80% rule in homeowners insurance requires you to insure your home for at least 80% of its total replacement cost value to receive full coverage for damages, preventing penalties for being underinsured. If you carry less than 80% coverage and have a partial loss, the insurer applies a "coinsurance penalty," paying only a proportionate amount (e.g., 80% of the claim) and leaving you responsible for the rest, even for smaller repairs. This rule ensures you have enough money to rebuild, so you must update your coverage after major renovations or with rising material/labor costs. 

What dogs make your insurance go up?

What Dog Breeds Affect Homeowners Insurance?

• Pit Bulls.
• Rottweilers.
• Doberman Pinschers.
• German Shepherds.
• Akitas.
• Chows.
• Presa Canarios.
• Great Danes.

What dogs do vets not recommend?

Vets often advise against owning certain breeds, especially brachycephalic (flat-faced) dogs like French Bulldogs, Pugs, and English Bulldogs due to severe breathing, skin, eye, and birthing issues; high-energy working dogs like Belgian Malinois and Siberian Huskies because they need extreme stimulation; and breeds with genetic predispositions like Dachshunds (back problems) or Chow Chows, citing health and welfare concerns. They see the suffering behind popular aesthetics, leading to recommendations against breeds with exaggerated features or intense needs.
 

What is the 7 7 7 rule for dogs?

The "7 7 7 rule" for dogs is a puppy socialization guideline, originally by Pat Hastings, suggesting exposing puppies to 7 different people, 7 different locations, and 7 different surfaces/objects/sounds/challenges (variations exist) by about 7 weeks old to build confidence, resilience, and prevent fear or anxiety as adults. Key experiences include meeting diverse individuals, visiting different places like a vet's office or friend's house, walking on various substrates (grass, tile, carpet), and encountering new objects and gentle challenges (like tunnels or boxes).
 

What dog has the cheapest insurance?

Jack Russell Terrier

Among the most affordable purebred dogs to insure is the Jack Russell, a lively little terrier that loves nothing better than a nice big park and a ball to chase. Confident in temperament, Jack Russells make very loyal dogs, and like to keep themselves busy.

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