Insurance Companies Who Blacklist Dogs based on Breed

JanieDough

JanieDough

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AS some of you know, I recently fostered and re-homed a rotweiler. :D

The SWEETEST dog. And I know at least V has a pitt who is a great dog.


The people who adopted him almost couldn't because their home owner's insurance was telling them no. So we all did research, and apparently State Farm allows all breeds, and their agent was just giving them the run around. :mad


However, this brought up a good point. One of the websites I found listed insurance agencies like Allstate (which I have) who do not allow certain breeds.

You may think "well yeah - rottweilers, pitts..." but the list is very long and doesn't just include breeds that are widely feared - some are just weird like border collie....really??? And the list grows every year.


One of the ways we can all actively do something is to not endorse these companies that ban dogs by breed.

(oh yeah - or you can just get a mutt ;) )


Next time your policy is up for renewal, shop around and see if you can find a good rate with the more breed tolerant insurance agencies.

I am dumping Allstate for sure.


Ok. I'm off my soap box. :p
 
Last edited by a moderator:
i thought i mentioned this a while back

the top 11 breeds that will either raise your insurance or not support are


  • Pit Bull
  • Doberman Pinscher
  • Rottweiler
  • Chow Chow
  • Akita
  • Wolf Hybrid
  • Alaskan Malamute
  • German Sheppard
  • Siberian Husky
  • Presa Canario
  • Staffordshire Bull Terrier
​
 
skyblue said:
rottis have a unwarrented rep
Click to expand...

Actually it's very warranted...

Dog attacks between 1982 and 2006 in the US & Canada

Attacks doing bodily harm
#1 Pit bull terrier - 1100
#2 Rottweiler - 409
#3 Wolf hybrid - 71
#4 German Sheppard - 63
#5 Chow - 49
#6 Akita - 48

Deaths
#1 Pit bull terrier - 104
#2 Rottweiler - 58
#3 Wolf hybrid - 18
#4 Husky - 13
#5 German Sheppard - 7
 
Tim said:
Between the Pit bull terrier and Rottweiler, they account for 69% of all attacks with bodily harm and 61% of all deaths.
How is that an unwarranted rep?
Click to expand...

rottis are in essence guard dogs,the statistics dont say where the 'victims' were or what they were doing


over here the headlines are normally that a devil dog has savaged 2 teenagers,then when its been investigated its been found out that the victims were either breaking and entering or doing something else they shouldn't do......i dont know about your pits though
 
Tim said:
Between the Pit bull terrier and Rottweiler, they account for 69% of all attacks with bodily harm and 61% of all deaths.
How is that an unwarranted rep?
Click to expand...

I don't think the point is that those dogs aren't the most likely to do it so much as it might be that 1200 attacks/deaths for a pit over the span of 24 years doesn't equate out to a large amount of the breed to the point that all dogs should be punished for a few.


You also have to consider the way the dogs are raised, the circumstances for the attacks, etc. It's not as black and white as you're trying to make it.
 
Tim said:
Dobermans are used for security as well, yet they are #19 on the list with only 11 attacks in that same 24 year period. That's less than 1 attack every 2 years. They also accounted for 3 deaths, that's 1 for every 8 years...
Click to expand...

i think you'll find that if you ever get burgled your doberman will let the thieves just waltz on in there......but woe betide them if they try to leave
 
anathelia said:
I don't think the point is that those dogs aren't the most likely to do it so much as it might be that 1200 attacks/deaths for a pit over the span of 24 years doesn't equate out to a large amount of the breed to the point that all dogs should be punished for a few.


You also have to consider the way the dogs are raised, the circumstances for the attacks, etc. It's not as black and white as you're trying to make it.
Click to expand...

I'm not saying Rottweilers are a bad breed and of course it matters how they were breed, etc.

I am only putting the facts out there, nothing more. And this is what the insurance companies are looking at, the numbers.
In 2009 there were 4.7 million dog bites in the US costing the insurance companies $390 million. The majority of those bites came from Pits and Rotties. So it would only make sense that the insurance companies would either charge more for those breeds or not cover them. Because they know that it WILL cost them more money in payouts.
 
skyblue said:
i think you'll find that if you ever get burgled your doberman will let the thieves just waltz on in there......but woe betide them if they try to leave
Click to expand...

I have had 3 dobermans over the years and I can tell you that if we weren't home, you would NOT be able to get into the house.
If we are home, the dog will treat you according to how we are treating you. If we are happy, the dog is happy and let you walk right on in.

Dobermans were breed to act off the emotions of their owners and you can really see it.
 
Tim said:
I have had 3 dobermans over the years and I can tell you that if we weren't home, you would NOT be able to get into the house.
If we are home, the dog will treat you according to how we are treating you. If we are happy, the dog is happy and let you walk right on in.

Dobermans were breed to act off the emotions of their owners and you can really see it.
Click to expand...


they're good dogs that for certain
 
skyblue said:
i think you'll find that if you ever get burgled your doberman will let the thieves just waltz on in there......but woe betide them if they try to leave
Click to expand...

Couple years ago I went to a job to meet up with a friend that is a business competitor as I wanted to check out a piece of new equipment he had purchased. I always knock on the door and if no answer announce myself. There was no answer and all was quiet. I hollered as I came in and preceded thru the kitchen headed to find the basement. I got about 5 steps out of the kitchen and this huge, and I mean huge Rottie comes walking into the room. It had a low growl so I decided to very slowly turn around and leave the room. I took one step and the son of a bitch started to growl louder and then bit me in the ass. Not really a bite as it did not draw blood but more than a little nip. Fortunately the owner by this time rushed into the room to get it under control. So I think your theory works with Rotties too :D
 
German Shepards and Rottweilers scare the shit out of me. Many many people round here keep them as guard dogs and for protection and they train them to be unduely vicious and when they escape (and many do on a regular basis), they attack everyone they see.

I know people will say, it's the owner, not the dog but it's gotten to the point that after years and years of being on edge going past certain gardens + owners walking their dog or if there is a report of an escaped dog when I have to walk somewhere, that I am absolutely petrified. And it is sad cos my aunt owns German Sheppards and I know they are nice dogs when treated right.
 
I say this - base it on the dog - the dog has a record, then don't insure the dog.

and Tim I'm surprised because they dropped my mom because they thought we had a pitt bull. We brought my dog over there and they saw he wasn't a pitt, and they let her have her policy back.
 
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