Insurance Dog Breed Discrimination

Home Insurance Banned Dog Breeds. Akita. Akitas were bred for generations as guardian and bear-hunting dogs. If not properly trained, their hunting instincts can take over. Chow. Chows are known for having a calm disposition. That is, until they’re provoked. Also, their peripheral vision range is .... Which Dog Breeds are Restricted by Insurers? Pit Bulls. German Shepherds. Akitas. Staffordshire Terriers. Chows. Alaskan Malamutes. Doberman Pinschers. Great Danes. Siberian Huskies. Rottweilers. . Opponents of dog-breed discrimination point to the fact that any dog, not just a pit bull, is capable of biting if threatened. But your insurer may still see too much risk, fearing that a single pit bull attack could lead to especially costly injuries due to the breed’s size and strength.. Insurers say when they identify dog breeds that tend to bite, it helps bring down the cost of homeowner policies. Dog owners say their pets should be considered as individuals and the insurance.... Insurance companies have drawn up lists of dog breeds that they consider dangerous and whose homes they will not insure. How a dog breed ends up on such a list is often arbitrary. Open mobile menu.

Insurance companies seem to be wary of dogs who are roughly the size of Seabiscuit. Great Danes surely fit that description, and due to their size, they are often considered dangerous.. Breed-specific laws state-by-state. Over 900 U.S. cities have enacted breed-specific legislation or wolf-dog hybrid laws. Learn about these laws in your state and if a state preemption law prevents these public safety ordinances.. Municipalities with BSL.

Not all insurers restrict coverage based on dog ownership or discriminate between dog breeds. One solution to homeowner insurance coverage problems arising from dog breed restrictions may simply involve finding an insurer that doesn't restrict coverage on account of your best friend's breed. Another option involves looking to see whether state law has limited your insurer's ability to enact dog breed restrictions.. The law does not prohibit insurance companies from discrimination based on breed. While breed-specific city and town ordinances have been challenged on constitutional grounds, such as due process and equal protection, insurance companies–because they are not part of the government–are not subject to these constitutional restrictions..