Dog breeds that could raise your insurance rates.
Pit Bull
Your dog might be your best friend, but chances are it is not best friends with everybody who visits your home. People adopt dogs for many reasons, including companionship, protection and breeding. Some dogs are put to work at an early age guarding livestock or being watchdogs, but most dogs earn their living loving us as much as we love them.
All homeowners are aware that they have to carry insurance to protect themselves in case someone gets injured on their property by an overprotective dog. But the truth is that certain dog breeds have a bad reputation for being too aggressive.
If you’re planning to adopt a dog, you should consider how your new pet could affect your insurance rates. Some breeds can raise your rate, and other breeds could cause your insurance company to cancel your policy. Your dog may be the sweetest little buddy you’ve ever had, but these dog breeds, in particular, are noted for attacking people and other dogs. You might want to rethink adopting a pooch from this list.
• American Pit Bulls and Staffordshire Terriers share a similar appearance and the ability to cause serious harm. They can be sweet and affectionate one minute and vicious the next. Their size and jaw strength have put them front and center among dogs that injure and kill. They’re even notorious for attacking their owners. They were responsible for over 60 percent of the 38 fatal dog attacks in the U.S. during 2012.
• Dobermans used to be extremely popular, but after a rash of attacks in the 1970s, many people have shied away from the breed. They tend to be very protective and aggressive, which makes insurance companies fear the worst.
• Rottweiler’s aren’t as tall as Dobermans, but they are stockier, and their jaws generate over 300 pounds of pressure per inch. They can quickly and easily break a person’s arm or seriously injure or kill a child.
• Chows have earned a reputation among vets as being unpredictable. That unpredictability makes them a very dangerous breed to own, especially around children.
• German Shepherds make great police dogs and pets. However, they are territorial and protective. If unfamiliar relatives, friends or strangers come calling, they might be met by a not-so-welcoming host.
Almost any dog can be provoked, but the ones on this list are notorious. Keep that in mind when you’re choosing a new pet to join your family.