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Dog breeds most likely to raise homeowners insurance – KSBW The Central Coast

Husky: Huskies are typically large dogs, and when not trained properly the breed’s natural aggression tendencies can become dangerous. (Source:

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Boxers: Boxers as a breed are very smart, however they are also regarded as very protective which can lead to aggression. (Source:

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German Shepard: German shepards are typically seen as a dangerous breed by insurance companies, however their frequent use for military and police dogs shows that they can be trained well.

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Before you pick out your next dog check out this list of the dog breeds most likely to raise your homeowners insurance.

To avoid insurance problems it is wise to ask your insurance agent their policy regarding the breed before you take them into your family. Also if you are getting a rescue dog, it is good to find out if there is a history of biting or if the dog has been abused. You should not be discouraged about getting any of these breeds of dogs, with the right training and proper handling they can make a lovely addition to your family. (Source:

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Rottweiler: The Rottweiler is ranked as the second most lethal dog following pit bulls. When a Rottweiler bites down hard its bite packs more than 300 lbs. of pressure. (Source:

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Great Danes: Although the great dane does not immediately invoke thoughts of being a dangerous breed, they have been responsible for several deaths over the years. This in accordance with their large size makes them undesirable to be covered by insurance agencies. (Source:

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Wolf Hybrids: Wolf hybrids are the result of a dog and wolf mating. Although they may look like a typical dog, they can retain some of the “wild animal” characteristics seen in wolves. These dogs do best when they have a strong trainer and they are given ample room to run, play and work. Insurance companies are hesitant, or flat out refuse to insure these breeds of dogs because they say that the “wild animal” characteristics make them unpredictable. (Source:

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Akita: The Akita breed originates from Japan and was initially bred to be a guard and hunting dog. Akitas are very protective by nature and require consistent training. (Source:

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As a result of this dog-bite related incidents cost insurance companies upwards of over $1 billion each year. According to the Insurance Information Institute, dog bites have become the single largest cause of home insurance claims in recent history. (Source: Insurance Information Institute)

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In 2013 the average cost per claim was $27,862, although this varied from state to state. In 2013 alone California, which had the highest number of reported dog biting incidents at 1,919, had costs related to dog bites total $64.7 million. (Source: Insurance Information Institute)

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Individuals that are most likely to be bitten by your down include friends, neighbors, and relatives. As a dog owner you need insurance that will cover bites which falls under your homeowner’s insurance policy.

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Over the years, insurance companies have analyzed data on bites, and taken these statistics and increased rates for certain dog breeds, or in some cases they will simply not issue insurance for specific breeds.

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Whether or not an insurance agency will raise your rates or refuse carrying your breed of dog will differ between each carrier, the following list are the ten dog breeds (in no particular order) that are most likely to be faced with resistance or higher rates from your carrier.

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According to the CDC it is estimated that over 4.5 million people are bitten by dogs each year. From these 4.5 million bites 885,000 require hospitalization and 350,000 require emergency medical attention. (Source: Center for Disease Control)

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Pit Bulls: In a study conducted by the CDC over a 20-year period it was determined that pit bulls were responsible for 32% of fatal dog bites. (Source: CDC)

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Doberman: In the 1970’s this dog breed lead the pack for dog bites, and since is commonly described as aggressive and protective. (Source:

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Chow Chow: The chow chow breed is typically described as stubborn, protective and very territorial, and because of this they consistently top lists of dangerous dog bites. A study from the Journal of American Veterinary Medical Association revealed that out of 238 dog-bite fatalities from 1979 to 1998 the chow chow breed was responsible for eight. (Source:

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