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Which dog breeds are not covered by homeowners insurance?
My wife and I want to get a guard dog since there have been some break-ins in our community over the last year. But we also want the dog to be insured. Which breeds are usually banned by insurance companies?
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The breeds that are commonly not covered by homeowners insurance are the:
- Akita
- American bulldog
- Beauceron
- Belgian malinois
- Caucasian mountain dog
- Chow chow
- Doberman pinscher
- German shepherd
- Great Dane
- Keeshond
- Mastiff
- Pit bull
- Rottweiler
- Rhodesian ridgeback
- Staffordshire terrier
Many insurance companies will also not cover wolf hybrids or any mix or variation of the aforementioned breeds. They also tend to be averse to any dog with a history of biting.
If you own any of these
dogs
, it is going to be difficult to get homeowners insurance. However, you’re not totally out of luck — there are some insurance companies that accept all breeds. You just have to shop around.View full answer
- Gregory R.
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