Know before you adopt — these breeds can get your policy cancelled
Millions of dog owners discover their homeowner's or renter's insurance restricts their breed only after they've already brought the dog home. Here is the honest guide to which breeds are commonly restricted and what to do about it.
Insurance companies use bite statistics and claim data to assess risk. Certain breeds appear disproportionately in bite claim statistics, leading insurers to restrict or exclude them entirely. This is actuarial risk management — not a judgment on individual dogs.
The breeds most frequently restricted by US home insurers include: Pit Bull types, Rottweiler, Doberman Pinscher, German Shepherd, Akita, Chow Chow, Siberian Husky, Alaskan Malamute, Wolf hybrids, and Cane Corso. Some insurers also restrict Great Danes, Mastiffs, and Presa Canarios.
If your dog bites someone and your insurer discovers you owned a restricted breed you did not disclose, your claim can be denied and your policy can be cancelled. Always disclose your dog's breed in writing before signing any policy.
Shop specialty insurers who cover all breeds. Some insurers accept restricted breeds with a Canine Good Citizen certification. Umbrella liability policies can provide additional coverage. Never lie to your insurer about your dog's breed.
Take the free quiz — we flag insurance risk breeds on every result card so you know before you fall in love with the wrong dog.
Start the Free Quiz →