14 Dangerous Dog Breeds May Be Blacklisted by Insurance Companies
Homes containing certain breeds of dogs have been declared "uninsurable"
Published 7 years ago in Wow
2
Staffordshire Terriers-number of insurance companies have issued their lists of dog breeds which they consider dangerous and according to their rules can result in denial of coverage. These lists have various names depending upon the company, such as "excluded dog breeds," "aggressive dog list," "insurance list of dangerous dogs," "prohibited dog breeds," and one simply labels it their "bad dog list."
3
Rottweilers-The dog breeds which can be found on these lists seem to be drawn from a series of research studies such as one commissioned by the U.S. National Center for Injury Prevention and Control that was published in 2000. It looked at the statistics on fatal dog bites (click here to read more about this). However, it seems as though any dog bite incident that receives wide media coverage can also land a dog breed on such a list. Thus the Presa Canario was a dog breed that few people had heard of prior to the media coverage of a 2001 incident in San Francisco
4
German Shepherds-The media luridly described how a woman was viciously mauled to death by two of these big dogs in the hallway of her apartment building. As a result the owner of these dogs is now serving a sentence of 15 years to life in prison. Although the Presa Canario remains a quite rare breed in North America, it now seems to appear on every prohibited dog breed list issued by the insurance companies.
5
Presa Canarios-The use of such lists is not acceptable everywhere. In America the states of Michigan and Pennsylvania have restricted the use of dog breed profiling by insurance companies. Ten other states have pending legislation that would similarly prohibit companies to deny insurance to someone based only on the breed of dog owned by their household. These laws propose that insurance companies should only be allowed to deny or revoke a policy or to increase the premium, based on the risk associated with a specifically named dog. That means that the individual dog must have a known history of being aggressive or must have been officially designated as dangerous.
6
Chows Chows-The insurance companies counter by saying that such laws will not work. They argue that by the time the dog has bitten someone, and has therefore been deemed dangerous, there has already been a claim filed. That means that it's already too late for the insurance company since they will have to cover the claim under the pre-existing unrestricted policy. The companies argue that the only way to reduce their financial risk is to ban certain dog breeds from coverage.
11
Cane Corso-Nonetheless you must remember that each company draws up its own list based upon its opinion of the risk the dog breed presents. No specific scientific criteria are required for a dog breed to be blacklisted, and it is possible that simply one report in the media might be enough to cause an official in an insurance company to decide that one or another dog breed is dangerous.
12
Alaskan Malamutes-That situation is bound to lead to some odd choices as to which breeds are uninsurable. For example, take the experience of Michael Richbourg of Atlanta, Georgia. While he was being pre-screened for a home insurance policy he was asked if he owned any dogs. He answered that he had two mixed breeds and while he wasn't sure about one of them he thought that the other appeared to be mostly Schipperke (pronounced "skipper-key"). At that point the agent said that he could not process the insurance application further since his company had blacklisted the Schipperke as being a high risk breed
Most Popular
