Dog Breeds Not Often Covered by Homeowners Insurance
If you are a homeowner and you are thinking about getting a dog, one of the things you should know is that there are a lot of dog breeds that are not allowed on home insurance company policies. Whether this is right or wrong is up for debate. However, here are the dog breeds most denied by homeowners insurance companies:
Most Banned Dogs
These are the dogs that are mostly banned from home insurance policies – from 90 to 100%.
100%
- Doberman Pinschers
- Pitbulls
- Rottweilers
95% to 90%
- Chow Chows – 95%
- Wolf dogs & wolf hybrids – 93%
Other High-Ranking Dog Breeds
These are dogs that are often banned on homeowners insurance policies.
- Presa Canarios – 86%
- Akita – on 79% of lists
- German Shepherds – 45%
- Huskies – 38%
Mid- to Low-Ranking Dog Breeds
These are breeds that don’t show up as much on the insurance policies as being banned, but they are still banned by some companies.
- Mastiffs – 29%
- Alaskan Malamutes – 26%
- Bullmastiffs – 24%
- Caucasian Shepherds – 24%
- American Bulldogs – 19%
- Cane Corso – 19%
- Great Danes – 17%
- Malamutes – 14%
- Giant Schnauzers – 12%
- Boxers –10%
- Catahoula Leopards – 10%
- Rhodesian Ridgebacks – 10%
Lowest Ranking Breeds
These are the breeds that are less likely to be banned by home insurance companies though some still ban them.
- Beaucerons – 7%
- Belgian Malinois – 5%
- Coyote dogs – 5%
- Dingos – 5%
- Dogo Argentinos –5%
- English Bulldogs – 5%
- Shar-Peis – 5%
- Tosa Inus – 5%
- Weimaraner – 5%
If you aren’t sure whether your homeowners insurance will cover the dog that you want to get, it’s best to ask them what dog breeds they will cover.
