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5 Dog Breeds Your Homeowner’s Insurance May Not Cover

When you are preparing to get a pet dog, the best route to use is rescuing one of the many neglected dogs being housed at a dog shelter near you. Why rescue? You may ask yourself. This is because there are many perfectly loveable dogs lined up to be put down. When you rescue a dog, you literally save it from death. It is, however, key to consider what breed of dog you want to rescue against your homeowner’s insurance.

Most homeowner’s insurance policies do not cover certain dog breeds for different reasons which we shall get into in a bit. As heartbreaking as it would be to skip one dog over another, it is important to safeguard yourself and your home.

Dogs that are considered uninsurable are usually classified according to their inclination to bite using statistics. This can be quite unfair as dogs may bite for different reasons and not necessarily because of their genetic make-up. Another reason why a dog is termed ‘uninsurable’ is its size. A larger dog according to statistics is considered more threatening and prone to attacking people.

Some of the dog breeds that may not be covered by your homeowner’s insurance policy include;

  1. Pit Bulls

Ranking at the top of this list is the pit bull. Its main features include a muscular and solid build with slight wrinkles on the forehead. They are touted as the most lethal breed, taking 62% of all recorded dog attacks recorded in one year.

  1. German Shepherd

A dog breed whose build is large and strong. It is touted to be loyal and easily trained. However, most insurance companies classify it as a dangerous dog they will not cover.

  1. Doberman

This breed is described as vicious and protective. It recorded the highest number of bites on humans in the 70’s and this bad reputation has stuck to date, making insurance companies call it an uninsurable breed.

  1. Rottweiler

A breed that comes with an impressive stature coupled with a huge head and a mouth that is constantly drooling. It is believed that its size and intimidating demeanor is what landed it a spot on insurance companies’ uninsurable breeds list.

  1. Husky

The Husky is a large, wolf-like dog with the tendency to be very aggressive if not properly trained. Due to this fact, it owns a snug spot on the uninsurable list by insurance companies.


While most of the reasons that homeowner’s insurance will not cover these and many other dog breeds may not be fair to the dog, you will do well to abide by these rules by not adopting any of these breeds. Some states like Michigan and Pennsylvania have outlawed this profiling of dog breeds by insurance companies since most of the data used is outdated. But until the law is applied in your state, it is a good idea to follow your homeowner’s insurance advice and steer clear of these breeds. If you rescue any one of these dog breeds, and it happens to bite someone, you will have to take care of all associated bills and repercussions of the attack.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

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The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487