Homes containing certain dog breeds have been declared uninsurable.
Your beloved family dog may not seem like a huge risk to you. They don’t bite, they don’t jump up, and they are more caring than your elderly father. Unfortunately, some dog breeds are linked to aggressive behavior and are seen as a big risk when under home insurance.
Dog bites are a major financial burden for in the insurance industry; in 2013 dog bites accounted for over one-third of all paid out homeowners insurance liability claims. As insurance is based on risk, and some dogs have a higher risk of being aggressive, insurance companies have taken a stand and excluded certain breeds from home insurance coverage. In this scenario, it is the case of a few rotten apples ruining the whole bunch.
The list is composed of dog breeds that have shown aggressive behavior to the public before. Whenever there is a dog bite incident, it receives wide media coverage which ends up landing that particular dog breed on the blacklist.
The 14 most often blacklisted dog breeds include:
- Pit Bull Terriers
- Staffordshire Terriers
- Rottweilers
- German Shepherds
- Presa Canarios
- Chow Chows
- Doberman Pinschers
- Akitas
- Wolf-hybrids
- Mastiffs
- Cane Corsos
- Great Danes
- Alaskan Malamutes
- Siberian Huskies
Each company draws up its own list based upon their opinion of the risk that the dog breed presents. To be sure that your home, family, and beloved pooch have the proper protecting in home insurance, contact your Astoria, New York local 01 Insurance.