Dog Breeds Blacklisted by Insurance Companies
You love your dog. We understand that. But your insurance company doesn’t. In fact, fair or not, insurance company underwriters have a list of dog breeds they consider uninsurable for homeowner policies. If you own one of these blacklisted breeds, you may not be able to obtain insurance for your home. You know your pet would never hurt anybody, but the insurance companies look at facts, and the facts are not on your side. Nearly one third of the claims filed under homeowners’ insurance policies involve a dog bite claim. According to the Insurance Information Institute, dog attack settlement claims average $30,000 per claim.
By refusing to cover a new policy or declining to renew coverage to current policyholders to people who own a dog that is blacklisted, insurers are covering their own backsides. Some insurers will offer a policy, but at a higher premium or which provides an exclusion for certain breeds. This could leave the homeowner completely on the hook for any injuries caused by their dog.
While every insurance company has different standards, there are some things they have in common. The “Bad Breed List” may change according to a particular breed’s current popularity, or whether that breed has been in the headlines lately. Pet owners aren’t the only ones who don’t like the insurance industry’s practice of blacklisting. The American Kennel Club is not a fan. According to AKC spokeswoman Lisa Peterson insurance companies “should determine coverage of a dog-owning household based on the dog’s deeds, not the dog’s breed.”
Remember, the insurance companies are looking out for themselves, and are looking to limit their liability. What are they afraid of? Of being sued by a dog bite victim. Why are they afraid? Because the statistics don’t lie. Certain breeds are more often involved in dog bite attacks and dog maulings than other breeds. they can’t ignore the facts, and neither should you. If you are around a dangerous dog, you are running the risk of being a dog attack victim.
Take note of these breeds, some of which may be on insurance company blacklists:
Staffordshire bull terriers
American Staffordshire Terrier
If you or a loved one are exposed to one of these breeds you may be putting yourselves in potential danger. Be extra cautious around these animals, whether they are beloved pets or not. They are listed among the most dangerous breeds for a reason. They are the breeds found to be on numerous lists of vicious dogs. If you have been attacked by a dog, you need to consult with an experienced dog bite attorney. Get proper medical care immediately, and then find a dog bite lawyer for your dog attack lawsuit settlement claim.