10 dog breeds that rile up insurers

Whether fair or not, underwriters have singled out these pooches for special scrutiny in homeowner policies.

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341Comments
Aug 27, 2013 7:58PM
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Our little Jack Russell cross is more aggressive than the Pit cross next door.  Profiling dogs for insurance costs is ridiculous.  How about they profile the owners instead?  The most dangerous breed of dog is the one not properly cared for and trained by a responsible owner.
Aug 27, 2013 8:04PM
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Never mind the dog, beware of the owner.  
Aug 27, 2013 8:02PM
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I love my German Shepard  best dog ever 
Aug 27, 2013 8:53PM
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My family was told to either get rid of our german shepard or they were going to cancel our home insurance.  Never had any incident and the dog was not aggressive at all.  What these b-tards were implying was to put our healthy family pet down.  If it was not for the Gov funded insurance plan, yes the gov does do good things, we would not be able to have our dog and insurance.  Insurance companies are pure evil and I hope they all go out of business!
Aug 27, 2013 9:11PM
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I've had German Shepherds all my life, as did my father before me.  Not a one of mine has ever bitten a soul, although twice they warned people who were threatening.  Akin to children, a dog is as well-behaved as it is well-raised.  Training, love, boundaries, and good care make for good dogs.  The breed banning that insurance companies are engaging in is short-sighted and, over the long term, detrimental to some of the finest breeds of dogs.  Perhaps they should look more closely at the owner, rather than the breed. They do us all a disservice in this misguided attempt to remove breeds based on unfounded and unfair bias.
Aug 27, 2013 8:14PM
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What about the little dogs, They bite all the time just don't do as much damage.  People think my Shih Tzu is so cute and they get their faces in too close and she bites their nose.  I always warn them but they still get too close,
Aug 27, 2013 9:57PM
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When a speeding car bites a person is the insurance canceled, nope.. When a drunk driver gets a ticket is his or her insurance, canceled, nope.. If a home owner pulls out a gun on a robber his insurance won't get canceled because he's dangerous.. Why pick on dogs, it the speeders, drunks, and burglars that are really costing you.. Did I mention the jerks or jerketts who TEXT & DRIVE ??      
Aug 27, 2013 9:17PM
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I had a Doberman and he was nothing but a lover.  My friend owned two Dobermans and they where the same way. I also know someone who had a Rottweiler and she was a big baby. I think it all depends on how they are raised. My Pek-a-Pom is more vicious than most dogs I know.
Aug 27, 2013 8:24PM
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Why aren't small dogs like Chihuahuas or dachshunds on here, they bite more often than any dog.  My son almost had his top lip ripped of by a dach when he was 7

Aug 27, 2013 8:58PM
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Pit bull just attacked my 10 lb Pomeranian and nearly killed him. $14,000. later in vet bills, you bet I am suing the owner! If you can't control your dog, don't get one!
Aug 27, 2013 7:47PM
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The only difference between a Pit Bull and an American Staffordshire Terrier is the name.  The AKC isn't comfortable with the name Pit Bull.  If you don't believe me, do some research!

Aug 27, 2013 9:30PM
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Here's the deal.  Certain breeds of dogs bite and you may require stitches, other breeds bite and you may require re-attachments.  One is more expensive than the other.  Simple.
Aug 27, 2013 8:56PM
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I was really surprised to find Huskies and Mals on the list....They are clowns...unless they are around chickens.....

Aug 27, 2013 8:31PM
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Insurance is a risk taken by a company that promises a service. If you don't want to insure then don't. If you sell a policy and something happens, pay the claim! You got your money up front!

 

Aug 27, 2013 10:17PM
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All dogs can snap and attack, it's the amount of damage they do.   Smaller dogs bite and attack a lot more than these dogs do, just most people don't die from them.

Aug 27, 2013 8:54PM
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underwriters use statistics to determine the dogs that bite the most.  If you have irresponsible owners it does not help.  When I lived in Philly years ago...insurance companies would not insure homeowners if they had rotties,  pit,  shepards,  or dobies.....My neighbor and I had goldens, no problem.  I have dealt with the breeds I listed, and never had any issues with them.
Aug 27, 2013 9:50PM
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It is every owners responsibility to control any animal they keep.  If your dog hurts someone, it IS your fault.  Insurance companies are a business that use other people's money to run that business.  Would you put your money up to back a sketchy breed?  They know your dog may be lovable around you but you are not going to sue yourself.  It is the irresponsible owners of such breeds that have made them uninsurable.  I don't work for an insurance company but I had a breed that was protective and I had to jump through hoops to keep insurance.  The dog was fine with family but would nip if not watched.  Be responsible. Use the lease. Make sure you don't let the dog loose even in your own yard.  Nothing is worth someone's child being harmed.  You wouldn't want it to be yours.  

Aug 27, 2013 9:26PM
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This list is not to say what dogs are dangerous, but the top 10 ten dog breeds involved in insurance liability claims paid out. So don't get upset just because the dog you own made the list. Dogs are an absolute liability, meaning that you could have done everything possible to prevent a bite or someone could have even provoked your dog and your insurance company will still go to bat for you in civil court.
Aug 27, 2013 7:59PM
Aug 27, 2013 8:02PM
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their are a lot of dog bites every year it seams only the fatal ones are reported
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