What dogs are not accepted by insurance?

Answer 1

Dogs and dog breeds that have a reputation for aggression are not good candidates for Liability insurance. Companies vary, but most Homeowners' or Renters' insurers will probably object to breeds like Akitas, Chows, Pit Bulls and others bred for aggressive qualities. Some even object to rescue Greyhounds because while they were trained from puppyhood to run races, they were not socialized to children. Until they are, they might snap at them because they don't know what to expect from children and may be afraid.

As a dog lover, I know that training and care can overcome breeding, yet insurance companies can't know who is effective in training and care and who obtained the pet because the aggressive nature was desired. Unfortunately they can't take our word for it, because they have a history of paying high Liability claims due to aggressive dogs. Check with your insurance company about specific breeds, and note that if you have a dog that has bitten anyone before - regardless of breed - your insurance company will probably not want to write your insurance.