"Dangerous" Dog Breeds

I was wondering, for those that own what is deemed a "dangerous" breed. Do you have higher insurance rates do to this? Is it an issue to get home insurance? If we were to ever get a dog, it would be a large dog and it would probably fall into this catigory (rottie or german shephard or both). But I keep hearing I will have trouble getting coverage. I'll probably be looking to buy my first home next spring so am fairly new to all of this.

4 you

http://www.pitbullforum.com/viewtopi...ouse+insurance

http://www.pitbullforum.com/viewtopi...ouse+insurance

Unfortuneately yes in some areas some animals will cost higher home owners insurence ... I know in a few states they just wont give you insurence if you "own" a dog on there list... I would call your insurence company and a few others and see....

I'm afraid I had to login for those links but I did search the forum and found a good thread. It looks like its different for every state. I'll just have to call around when the time comes.

Oh no, I'm sorry If you want to check em' out I'll pm you my password for the site from what I read state farm is the best

Its ok I was able to access through the search feature on that site. I think that you were logged in when you took those links or something.

Yes it does seem State Farm and Allstate. But it also seems different for different states. I can only hope NC is not to tough on this issue!

Also, what if they were not pedigreed dogs? Like you get one from a rescue or the shelter...they sort of look like the breed. I know with cats there is probably no way they are purebred but with dogs thats not the case. I guess an insurance company would go by looks alone, not papers.

Originally Posted by SolarityBengals

Its ok I was able to access through the search feature on that site. I think that you were logged in when you took those links or something.

Yes it does seem State Farm and Allstate. But it also seems different for different states. I can only hope NC is not to tough on this issue!

Also, what if they were not pedigreed dogs? Like you get one from a rescue or the shelter...they sort of look like the breed. I know with cats there is probably no way they are purebred but with dogs thats not the case. I guess an insurance company would go by looks alone, not papers.

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No papers then you cant verify breed and it is classified as a mutt in most states ...

In a lot of cases, unless you're dealing with a breed rescue, shelters don't like listing pit mixes as pit mixes because of the breed stigma.

They want the animals to find homes, not sit in shelters forever, or worse, end up adopted by unsavory people.

No clue if my dog is a pit mix, or some other bully breed mix, he was listed as a lab mix, which is what he will always, officially be.

My boss thinks if I want to go with one of these breeds that I should get a purebred as a pup that way you know what you are getting (ethical breeding, no mistreatment that can come out as aggresiveness later). I'm not sure yet what I will do. I understand both arguments. Sometimes shelter dogs can be so sweet because they have had bad experiences. Other times they may never fit in.

I guess time will tell.

I highly reccomend a foster dog. There are many bully rescues that have foster families set up. I like when they come from a foster enviroment because you know how they are with people, other dogs, cats , and they will be house broken already. Most fosterers will allow you to visit the dog in their home enviroment so you can see how they behave on a regular basis, instead of meeting a shy timid dog, only to get it home and have a wacko

Your boss has a valid pt but I my expierence rescues are just as trying as a puppy since they are having to adjust to a new place ... Rescues do have there personality already set

either way I am sure youll get the ideal dog for you

I am a State Farm employee in Canada..and I have no idea the rules in the States..but here, the question on the home application just asks if the dog has ever bitten anyone..it does not ask which breed you own..

Perhaps they have different applications there though.

I have State Farm insurance. I was told that if we owned Pits,Rotties,Mastiffs,Shepards,Dobs,Dalmations,Chows-that they would DROP our insurance and would NOT insure us.
When our Cocker Spaniel bit our son, I was told that- that breed was soon to be added to the list of "do not insure" dogs.
I would ask around your local insurance agencies.You can always call annomous.

Here is an article that I found
http://www.dogbitelegalcenter.com/re...mmon-dogs.html

"Blacklisted" breeds may include:
Pit Bulls Alaskan Malamutes
Rottweilers Akitas
Chow Chows American Staffordshire Terriers
Doberman Pinschers Boxers
German Shepherds Great Danes
Siberian Huskies Wolf-hybrids
Perro de Presa Canarios.
The Presa Canario breed came to the forefront when Diane Whipple was attacked and killed outside the door of her California apartment.
Any dog that has any of the above breeds in their lineage.

I have a similar list;

Samoyed, Malamutes, Huskies, St. Bernards, Afghan's, Boxers, Dalmations, Great Danes and Chows.

In one of my Animal Behavior classes we had a guest lecturer who had created a behavioral profile of dog breeds and the cluster of breeds listed above were rated on three categories, reactivity (alertness/responsiveness), trainability, and aggression.

The breeds listed above were low on reactivity, low on trainability and high on aggression.

Whereas another cluster were the "police dogs;" German Shepards, Akitas, Doberman's and Rottweilers who are very low on reactivity, very high on trainability and very high on aggression.

Great Danes? Really? I never thought of them, just because of the size I guess? All the Danes I have known are the laziest, dopiest dogs ever.

Just fyi dog with the most bites .... The AMERICAN COCKER SPAINIEL... At this rate all dogs will be deemed dangerous...

I was not able to rent a house when I was in CA because they though my sisters dog was min and Chows where not aloud. She just stopped to look at the place when she was on her way home from the vet. The guy apologized and then said we could rent it but hubby said stick it. You should of ask not assumed. Hubby was in the right....

This is all so strange..I have NEVER heard of insurance companies doing this..Maybe they aren't so strict in Ontario

P.S. I find it hard to beleive that Great Danes are aggresive..

wow i am shocked to see Huskies on these lists. I have ALWAYS had a husky. never had a problem with any kind of agression othee than the occasional spat between dogs. IMO they are highly trainable, eager to learn, and highly PAK oriented, therefore they love their people...

And i have yet to find a trainer who disagreed with me.

Oh well on insurance companies.

Originally Posted by ScamperFarms

on insurance companies.

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Here here! And on the lazy, incompetent dog owners who neglect to teach their big dogs manners and then let everyone get the impression that certain types of dogs are "dangerous". I swear, there should be licensing tests for everything from having a baby to owning a dog because people are just so...lazy and stupid!