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
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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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