NeuroTalk Support Groups - 10 dogs most often blacklisted by insurers

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10 dogs most often blacklisted by insurers

Pit bulls and Staffordshire terriers
Doberman pinschers
Rottweilers
Chow chows
Great Danes
Perro de Presa Canario
Akitas
Alaskan malamutes
German shepherds
Siberian huskies
Wolf hybrids (wolf dogs)

There are
.
as well.

Some of these breeds surprised me, and one I had not heard of before this, which got me to wondering about the hows & whys. In seeking some answers I found this related article from the same site:

.

Quote:

"Insurance companies go by the average number of bites reported for a certain breed," explains Ashley Hunter, owner and president of HM Risk Group, an insurance and risk management brokerage in Austin, Texas.
....
The Presa Canario -- a breed few people had heard of in 2001 -- is now said to be sought by people wanting a "killer dog."
....
the insurance industry says dog bites are a problem. They accounted for more than one-third of all homeowners insurance liability claims paid out in 2012, totaling about $490 million, according to the Insurance Information Institute and State Farm. The average claim cost close to $30,000.
....
Insurance carriers differ on the breeds they deem aggressive, and some go by the breeds in your state which have bitten the most.
....
You usually can find a homeowners insurance company that doesn't discriminate by dog breed and will insure you, says Hunter.

This is a perennial topic among trainers & veterinarians in our circle. Dogs, like people, are individuals—every one being different—and while there are some very sweet individuals in some of these "aggressive" breeds, the fact is that those breeds were developed over many generations precisely for that aggression.

Nevertheless, trainers and vets alike agree that the fault for most canine aggression lies with the owner rather than the breed.

They also agree that while the vast majority of dogs are (potentially, anyway) "good" dogs, there is a small percentage (<1%) that can/may just have "bad wiring".

Doc

I'm surprised German shepherds are in that group. My brain injury support group had the therapy dogs there last night and they were amazing. Golden retrievers, boxer, chiwawa (sp). Very therapeutic.

Jace

My younger sister had a beloved dog that was 1/2 pit bull and 1/2 malamute. You could not have asked for a nicer, more well behaved dog. He was brindle and looked pretty much like a pit but his muzzle was a little lighter and must have been influenced by the malamute. However he had a mouthful of pit bull sized teeth and looked pretty scary when he smiled. His name was Har De Har Har for obvious reasons if you remember the cartoon. :D He once saved 'his' cat that was being chased by another dog, the cat ran up a tree and he positioned himself at the bottom and wouldn't let the other dog near it.

He had a good county home and owner but went to 'doggy day care' sometimes when she was out of town and couldn't take him. They let them all out to play but if any started showing aggression they had to go into a kennel for a time out and sit there and watch all the other dogs having fun. I don't know if that helped him to be what he was or he was just a good dog.

I'm not really a dog person but I even miss him, good old Hardy. :-)

judi

Had two German Shephards at different times and they were wonderful. Never any trouble. They are wonderful dogs IMHO. :winky: They also work as guide dogs. But now as far as our insurance company rules, if we had one and if it bit someone then it would have to go.

Just to add that horses are considered an attractive nuisance and some insurance companies will not cover them either. :(