14 Dog Breeds You Didn’t Know Were Blacklisted from Most Insurance Companies
14 Dog Breed Restrictions You Didn’t Know Aren’t Covered by Many Insurance Companies
What do German Shepherds, Alaskan Malamutes, and Akitas have in common? No, it’s not the fact they’re cute little fur balls, and shed year-round. (Which is true, on both accounts.) They’re on most insurance companies list of “uninsurable” dog breeds, potentially leaving you without adequate homeowners or renters insurance. The question is: why?
The motivation behind denying homeowners or renters insurance for people who have one of these dogs is based upon financial reasons. In 2015, dog bite-related claims accounted for nearly one-third of all homeowners claims. What’s even more staggering, is the average dog bite cost, on average, a whopping $37,000 per bite. This means that insurance companies were shelling out big time.
In 2016 alone, there were 31 dog bite fatalities in the U.S, with pit bulls and rottweilers contributing to 77% of these fatalities. The same combination accounted for nearly 76% of all dog bite fatalities from 2005 to 2016.
Many insurance companies have released their lists under “uninsurable dog breeds” “aggressive dog breeds” or “excluded dog breeds” – so make sure to check to see if your beloved pet is on there. While other states like Michigan and Pennsylvania have restricted the use of dog breed profiling by insurance companies. Many other states are following suit, and have pending legislation that would also prohibit insurance companies from denying coverage to someone based only on the breed of dog owned by their household. These laws propose insurance companies should only be allowed to deny or revoke a policy or to increase the premium, based on the risk associated with the specific dog. In other words, the individual dog must have a known history of being aggressive or must have been officially named to pose danger. However, Arizona is not yet a part of this movement, so several insurance companies keep their excluded breed list in tact.
Here’s some of the more common breeds blacklisted by many insurance companies in Arizona:
- Pit Bull Terriers
- Staffordshire Terriers
- German Shepherds
- Presa Canarios
- Chows Chows
- Doberman Pinschers
- Cane Corsos
- Great Danes
- Alaskan Malamutes
- Siberian Huskies
We believe that you should have the right to welcome any pet into your home and family. This is why we don’t limit the breeds you can, and can’t have in order to obtain adequate coverage.
If you’re struggling to find an insurance company that will protect your home or rental property, give me a call or shoot me an email! We’ll sit down and make sure all that you care for is protected, including your fur baby.