"How is it legal to deny someone home insurance if they own a certain breed of dog? Seems unfair to me. "

Dogs' temperament can vary significantly based on the training and care they get from their owner. Writing off an entire breed due to some bad apples doesn't feel right to me.

Answer provided by
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Shannon Martin
Answered on Apr 05, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“While this might seem unfair, the insurance company is agreeing, in exchange for a premium, to cover you in the event of a loss. It is up to the insurance company to decide what risks they are willing to accept.
Many insurance companies have identified certain dog breeds as a higher risk to insure against. Some companies may charge more for the policy, while others may decline to offer coverage altogether.
There are many advocacy groups for these dogs and their owners due to this very topic. If you are having trouble finding home insurance, a local advocacy group may be able to point you in the right direction. “
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