The Naughty Dog Breed List

| Uncategorized.

The Naughty Dog Breed List

At Safeguard Insurance, we love pets as much as anyone.  We cannot imagine life without our dogs and cats. That’s why this is a tough blog topic to approach: the naughty dog breed list.  However, we feel it is important for policyholders to understand that certain dog breeds are problematic for homeowners insurance carriers. Some breeds are involved, statistically speaking, in more bite claims and litigation than other breeds. Unfortunately, if you adopt a dog from one of those breeds, you may find it tough to purchase or keep affordable Nevada homeowners insurance.

The Naughty Dog Breed List

The list of unacceptable dog breeds does vary from one insurance carrier to the next.  In general, however, the following breeds will be on the naughty dog breed list:

  • Pitbull or Staffordshire terrier
  • Rottweiler
  • Doberman Pinscher
  • Presa Canario
  • Akita
  • Wolf hybrid
  • Mastiff
  • Chow Chow
  • Siberian Husky
  • Malamute

The “sometimes” list:

  • German Shepard
  • Cane Corso
  • Great Dane
  • Malinois
  • Dalmation

Please understand, we are not suggesting that all dogs in the above breeds are “bad”. The truth is that most dogs are great pets. However, the financial cost to insurers of adjusting dog bite claims is very high. In 2014 the average dog bite claim cost $32,072 to settle. That is a 15% increase from 2013 when the average was $27,000.  Each year the insurance industry spends around $530,000,000 to compensate the victims of dog bite injuries. Statistically speaking, the breeds in the naughty list are far more likely to be involved in a bite claim. Claims resulting from dogs in the naughty list also tend to be far more expensive to settle.

Before adopting your next dog, we suggesting contacting your insurance agent to discuss what breeds may be problematic with your home insurance.

Image: Dimitry Shironosov/123rf