Once again, presumed dangerous dog breeds with a history of biting people and homeowners insurance are a topic of national discussion. Many dog owners disagree - or rather adamantly argue - that it isn't fair to judge a dog by its breed, but assert that every dog should be considered on a case by case basis. PHOTO COURTESY OF MSN MONEY.
Insurance companies however, are trying to contain their growing costs of insurance coverage to dog owners for certain breeds. According to the Insurance Information Institute in a report by MSN Money, dog bites account for "one-third of all homeowners insurance claims, with an average payout of nearly $30,000 per claim." Some insurers are refusing to extend or renew coverage to people who own a dog that has bitten someone.
MSN Money states that "some insurers take those efforts further by maintaining "breed lists" -- types of dogs that can provoke denial of coverage, a higher premium or an exclusion that could leave you on the hook for damages." Dog breeds on the "List" from Insurance Underwriters that have been singled out for biting and causing personal injury include: Bull Terriers and , Doberman Pinschers, German Shepherds, Mastiffs, and the typically labeled dangerous dog types of Rottweilers, Akitas and Husky's.
On the opposing side, dog advocates and spokespersons from the American Kennel Club feel that have a positive value to insurance companies in that they are a natural alarm system against intruders and prevent theft by being on the premises and by the noise they cause from barking. Not all dogs labeled dangerous bite and hurt people.
What you can do as an Orange County Every insurer has different criteria, so getting quotes from a number of different companies can help dog owners find coverage.