What breeds of dogs raise your insurance?

Asked by: Juwan Runte DDS  |  Last update: April 11, 2023
Score: 5/5 (21 votes)

According to HomeInsurance.org, “Dog breeds that are typically associated with higher insurance premiums include Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, and wolf-dog hybrids.” Forbes.com adds Chows, Great Danes, Presa Canarios, and Alaskan Malamutes to their list.

Which dog breeds cost the most to insure?

Most expensive first, the five costliest dog breeds to buy, insure/treat at the vet and feed are:
  • English Bulldog.
  • Rottweiler.
  • Cane Corso.
  • French Bulldog.
  • Golden Retriever.

What breeds of dogs are hard to insure?

These are the most commonly excluded dog breeds according to Policygenius insurance experts:
  • Akitas.
  • Alaskan Malamutes.
  • Any wolf breeds.
  • Chow chows.
  • Doberman pinschers.
  • German shepherds.
  • Great Danes.
  • Pit bulls.

Are there certain dog breeds that might not be covered by insurance?

The home insurers' “banned breeds” lists are long and include dogs you'd expect, like Rottweilers, some you might not expect, like German Shepherds and rarer breeds like Alaskan Malamutes. Pit bulls of all types top the list.

Does breed affect pet insurance?

A pet's breed can make them more susceptible to hereditary conditions and certain health and medical concerns. Thus, pet insurance carriers will usually consider your pet's breed when calculating premiums.

Why some dogs raise the cost of homeowners insurance

37 related questions found

Are mixed breed dogs cheaper to insure?

If you own a mixed breed dog or cat, you're most likely to have the lower premiums than purebred pet parents, because mixed breeds are less prone to genetically predisposed ailments.

Are cross breed dogs cheaper to insure?

Pet insurance is more expensive for pedigree dogs

Insurers price policies based on risk and unfortunately some breeds are susceptible to certain genetic illnesses. That means the cost of insuring pedigrees is generally higher than insuring crossbreeds.

Can you get insurance on a pitbull?

Pit bull insurance (canine liability insurance): Pit bull insurance is a stand-alone policy that provides policyholders with broad coverage for any dog breed. Pit bull liability insurance can typically be purchased through smaller insurance companies.

What is a restricted breed of dog?

Restricted breeds are typically dogs that are considered to be dangerous by the wider public. These dogs are larger and can cause significant injury during an attack, more so than a smaller breed. This is in spite of the fact that studies have shown that aggression in dogs cannot be accurately predicted by breed alone.

Can homeowners insurance drop you because of a dog?

Can Homeowners Insurance Drop You Because Of A Dog? It's unlikely that your homeowners insurance will drop you because of a dog. However, if your dog falls under the provider's “breed list” that determines which breeds they will or will not cover, you may be required to pay a higher insurance premium.

What can I pass my pitbull off as?

10 Dog Breeds Most Commonly Mistaken for Pit Bulls
  • 10 Dogs People Mistake for Pit Bulls. There is so much controversy these days about pit bulls. ...
  • The American Bulldog. ...
  • The Presa Canario. ...
  • The Cane Corso. ...
  • The Bull Terrier. ...
  • The Boxer. ...
  • The Dogo Argentino. ...
  • The Staffordshire Bull Terrier.

Does Geico cover pitbulls?

Breeds typically given this designation include: Pit Bulls or Staffordshire Terriers; Rottweilers; Doberman Pinschers; German Shepherds; Great Danes; Akitas; Chows; and Presa Canarios. So long as your dog is approved, under personal liability coverage, you will be protected if your dog bites someone.

Can you insure a mixed breed dog?

Though Mongrels tend to be resilient dogs, accidents can happen, and health conditions can develop with time. So, it's wise to make sure your dog is protected by pet insurance at every stage of its life. Dog insurance will help to cover the cost of vet bills for surgery and medication for your mixed-breed dog.

Are Labradors expensive to insure?

Insuring a Lab costs roughly 20% more than the average price of dog insurance for a crossbreed dog. To put these costs into perspective, the average cost to insure a young Lab is 24% of the average amount spent per person on food each year in the UK.

What is the least expensive breed of dog?

Chihuahua. These tiny, feisty dogs have become famous as the purse-sized companions of rich celebrities. They make the list of least expensive dogs because of their $23 average bathing cost and $650 purchase price.

What's the cheapest type of dog?

Cheap Dogs: Top 10 Budget-Friendly Pooches
  1. Greyhound. These super-sleek dogs are low on grooming needs, according to the National Greyhound Adoption Program (NGAP). ...
  2. Bull Terriers. ...
  3. Weimaraner. ...
  4. Collie. ...
  5. Beagle. ...
  6. Chihuahua. ...
  7. Dachshund. ...
  8. Bichon Frise.

How can I get around breed restrictions?

7 Ways to Get Around Breed Restrictions
  • Get a Complete DNA Test. ...
  • Get Professional Training for Your Dog. ...
  • Rent from Private Owners Instead of a Company. ...
  • Get Pet Insurance. ...
  • Offer a Pet Deposit. ...
  • Create a “Resume” for Your Dog. ...
  • Register Your Pet as an Emotional Support Dog.

Can you lie about your dog breed?

Take breed restrictions seriously

It might be tempting to lie on your application about your pets, but lying is the worst thing you can do. If a landlord discovers you've been dishonest about your pet(s), they can potentially evict you — and living on the street is not an option.

What breed of dog is considered aggressive?

Pit Bulls, Dobermans, Rottweilers, Wolf hybrids, Akitas, and German shepherds are all commonly considered aggressive.

Are pitbulls more expensive to insure?

Pit bulls are among the dog breeds that some home insurance companies consider high risk due to potential attacks. This may lead to higher policy rates.

Is pet insurance more expensive for pitbulls?

Pet insurance may cost more or less depending on where you live, your dog's age, and what policy parameters you choose. Policies for Pit Bulls can cost more than those for mixed breed dogs because they are much more likely than mixed breed dogs to make claims for hereditary conditions that are expensive to treat.

Is Cane Corso a restricted breed?

Here's a list of the most commonly banned breeds: German shepherds. Pit bull terriers. Cane corsos.

Is pet insurance more expensive for purebred dogs?

Your pet insurance costs will change, depending on whether your dog or cat is a purebred or mixed, as purebred animals are almost always more expensive to insure.

Why are purebred dogs so expensive?

Demand for puppies has increased due to Covid-19 and has pushed up prices. A puppy from a reputable breeder is expensive as breeding puppies correctly is a costly pursuit, and the cost is passed down to the buyer. A rare or sought-after breed will always fetch a premium due to supply and demand.

Are purebred dogs more expensive?

Generally, you will pay more for a purebred dog than a mixed-breed dog over its lifespan. The higher costs often begin with adopting the dog. Purchasing a purebred dog from a breeder is typically more expensive than adopting a mixed-breed dog from a shelter or animal rescue organization.