Twelve Dog Breeds That Can Cost You A Fortune In Insurance.

Home owner insurance rate quotes depend largely on your credit report and your previous claim history. However, consumers do not realize that owning a dog can count against you. Insurance companies keep a list of what many feel are aggressive, dangerous dogs. Owning one of them can cause your rates to skyrocket. In addition, owning what is considered a dangerous dog may cause insurance companies to turn you away or provide you with coverage that will not offer any help if your dog bites someone.

Pit Bulls can be gentle dogs or terrifying aggressors; a lot depends on their breeding and training. However, as they have the power to kill, they are blacklisted by insurance companies. If you apply for insurance, be prepared to accept a clause stating if your dog hurts or kills anyone, the insurance company will not be responsible for any monetary damages or claims.

Rottweilers and Dobermans are two more dogs that insurance companies feel are dangerous. While your dog may be a giant baby, they still raise red flags with insurance companies. Putting them through obedience classes may help gain lower rates with some companies, but it is not always guaranteed.

In Japan, Akitas were originally bred to take down bears. Today, they are used more commonly as police dogs. Either way, they can be extremely protective of their owners. German Shepherds are viewed similarly. German Shepherds are used by policemen throughout the U.S. They are exceptional guard dogs, which raise their danger factor. Someone could come into your home and get attacked increasing the chance for a personal liability or injury claim.

Wolf Hybrids are banned in some states, but not everywhere. Because they are bred with wild animals the dogs can be dangerous. Malamutes and Huskies seem like great pets. Determined very athletic and have a strong will. It is that strong will that insurance companies worry about. They can turn on a stranger and become an immediate threat, thus ensuring you’ll receive a higher home owner insurance rate.

Staffordshire and Bull Terriers have very strong jaws. A newer breed, the Presa Canario, a breed from the Canary Islands, is growing in popularity. All are exceptional guard dogs, but they have strong jaws, again making them high risk.

Chows have a reputation for being great dogs with older kids and adults, but can be very snappy with younger children. A Chow’s bite easily disfigures a younger child for life.

Should you dog attack someone or cause damages and they are on this list, you may not be entitled to any coverage. Find out before purchasing a policy. Experts in the industry suggest that you obtain a minimum of three free quotes to find the best deal! For more information on insurance on the home click: tips for saving money.