Restricted Dog Breeds For Insurance

There are many dog breeds that are more likely to bite than others. While some of these dogs may be good pets, they can still pose a risk to the public, especially if they don’t get the right amount of attention or training.

Insurance companies are increasingly concerned about dog bites and other dog-related injuries, so they’re starting to require certain breeds be registered as “Restricted” with them. This means you’ll have to pay higher premiums for insurance coverage on these breeds. Here’s a list of some of the most common restricted breeds:

German Shepherds


Chow Chow

Doberman Pinscher

Pit Bulls

Restricted Dog Breeds For Insurance

If you are considering getting a dog, it’s important to make sure that you have the right insurance in place. While most breeds of dog are covered by standard homeowners’ policies, there are some breeds that are not. If you have one of these breeds, you may need to get a rider for your homeowner’s insurance or look into other coverage options.

Here’s a list of restricted dog breeds:

American Pit Bull Terrier


Chow Chow

Doberman Pinscher

German Shepherd*


If you live in a building with a no-pets policy, or if you’re considering buying insurance for your dog, you might be wondering which breeds are considered “dangerous” by insurance companies.

The truth is that it depends on the insurance company. The best way to find out which breeds are restricted by your insurer is to call and ask. The list below is compiled from the Insurance Information Institute (III) and the American Kennel Club (AKC).

Some insurers exclude certain breeds altogether from coverage, while others will only cover them under special circumstances. For example, some policies may exclude all dogs that have been deemed “vicious” by state law; others may give customers the option of buying separate coverage for a restricted breed in addition to standard liability coverage.

Pit bulls are among the most common breeds restricted by insurers because they are often bred for fighting and tend to be more aggressive than other dogs. Rottweilers and German shepherds are also often excluded from coverage due to their reputation for being aggressive toward humans.

Insurance companies don’t like dog breeds that are more likely to bite. But these dogs aren’t dangerous — they just look like it.

Insurance companies have long known that certain dog breeds are more likely to bite than others. But now, they’re being pickier about which dogs they’ll insure at all, because of the liability risks associated with certain breeds.

The American Kennel Club (AKC) has compiled a list of the most popular dog breeds in America today. Here are the top 10:

Labrador retriever German shepherd golden retriever dachshund poodle Rottweiler beagle boxer shih tzu

You’ll want to talk to your insurance company about the restrictions on these breeds before you buy a new dog.

American Pit Bull Terrier

American Staffordshire Terrier

Australian Cattle Dog (Blue Heeler)

Basset Hound



Bulldog (English)

Bulldog (French)

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