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Renters Insurance & High Risk Breeds

Premiums that individuals pay for homeowners and renters insurance can be affected by the breed of the individual’s s dog. Insurers often have specific breeds of dogs that they consider high risk.

As a result, an insurer will either charge higher premiums or refuse to provide a policy when a high risk dog is kept in an insured’s home.

High Risk Breeds



Insurers consider certain types of breeds to be more dangerous than others. Typical types of high risk dogs include Akitas, Doberman pinschers, pit bulls, rottweilers, Siberian huskies, certain types of bull terriers and dog-wolf hybrids.



Insurers also consider a dog’s reputation when determining a rate or deciding whether to issue an insurance policy. Organizations such as the Centers for Disease Control and Prevention collect statistics and research occurrences of dog bites.

Dog bites are constantly being reported by news media, which can damage a breeds reputation further. Insurance companies collect all of this information when determining the risk of a particular type of dog.


Bite Frequency

Insurers also consider the bite frequency of a certain type of breed of dog. The Centers for Disease Control and Prevention reports that 4.5 million people are bitten by dogs each year. One out of five of those dog bites requires medical treatment.

Dog owners can claim that their particular dog does not bite, but insurers collect statistics that show that a particular type of dog is more prone to biting by nature.



In addition to reputation and bite frequency, insurers also consider the size of a particular type of dog when determining the price or availability of an insurance policy.

Larger dogs can cost an individual more for their policy because they tend to cause more damage and injury to other people and property than a smaller dog. Prices and policies can vary from insurer to insurer so it is best to always shop around.


Avoiding Problems

Problems with certain types of dogs and the availability and price of renters insurance can be corrected in a variety of ways. One way is to avoid certain types of dogs or breeds that insurance companies consider high risk.

Another way is to find a dog that is suitable in size to the total area of the apartment or home that is being rented. Dogs can also be kept away or prevented from causing injury when visitors or guests come to visit.


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