What dog breeds are prohibited on homeowners policies?


July 3rd, 2017

We recently celebrated “Bring Your Dog to Work Day” at Gunn-Mowery, LLC. As you can see from the collage of pictures, it was hard to tell who had bigger smiles on their face that day…our employees or their dogs! Many people consider their dogs part of the family, however some breeds are prohibited under homeowners insurance policies.

 

Known by insurance companies as “excluded dog breeds”, “aggressive dog list,” or “dangerous dogs list”, this collection of prohibited dogs consists of breeds that are widely considered to be a financial risk to insurers. According to the Insurance Information Institute, claims related to injuries from dogs account for one-third of all homeowner liability dollars insurance companies pay out every year. In 2016, that figure was $602 million from more than 18,000 claims–an average of $33,000 per claim.

 

The specific dog breeds prohibited by insurers vary from company to company, but at least five appear on every list. Note that not only pure-bred dogs are banned, but any mixed breeds as well.

The 5 most often blacklisted dog breeds are:

 

    • Pit Bull

 

    • Rottweiler

 

    • Doberman

 

    • Presa Canario

 

  • Chow Chow

 

So, what are your options if you own one of the dog breeds on the list? At Gunn-Mowery, we have great relationships with many insurance companies. There are a few who will write policies if you have an “aggressive” breed and some just require a representative to come to your house and meet your dog. If you have any questions, please do not hesitate to contact us today.