Getting a dog can be a joyous event. Having a backyard where the kids chase Rover around the yard or walk it on a leash is part of the American Dream. Kids snuggling with dogs make up half of the memes on social media (next to cute cats). The nightmare is that sometimes dogs can cause serious damage by biting, mauling or even jumping on people when they least expect it–even their owners. Pet owners can be quite surprised when they fill out the form for home insurance and it asks about dogs, and you need to list their breed. List the dogs? Why would a home insurance company need to know that?
The answer is that actuaries who collect data on injuries, deaths, and property damage have many dogs on their list who pose a possible risk. Don’t even think about outsmarting the insurance company by leaving your dogs breed off of the policy. If anything happens, like your dog bites or knocks someone down and injures them, the policy will refuse to pay on the grounds that you did not add your dog to the policy. Particularly if it is one of the breeds that they list as risky. Yes, you will pay more for owning a ‘risky” breed and if you are a renter, you may be denied an apartment or be evicted if you procure the dog after you rent, as pet policies vary as to acceptable breeds and sizes.
Here are twenty dogs who can be lovely as individuals but because they belong to a certain breed group, have garnered a reputation for trouble and may be seen as a risk factor for insurance companies.