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?

Answer
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.
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Savannah Grabek
Answered on Apr 02, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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