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 provided by
Savannah Grabek
Answered on Apr 02, 2021
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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