Top 10 Dog Breeds Blacklisted by Insurance Companies

Top 10 Dog Breeds Blacklisted by Insurance Companies

While most people consider domesticated dogs to be friendly and easygoing, the reality is that there are a number of dog breeds that have been blacklisted by a wide range of insurance companies.

Certain breeds of dogs are more dangerous, or they may have shorter lifespans than others, and the type of breed that you choose could have an effect on your ability to obtain insurance for your home.

Best Dog Food for Your Furry Friends

Selecting the best dog food for your furry friends is crucial for their overall health and well-being. Opt for high-quality dog food that includes real meat as the primary ingredient, providing essential proteins. Look for well-balanced formulas with a mix of proteins, fats, and carbohydrates suited to your dog’s age, size, and health needs.

Blue buffalo life protection formula natural adult dry dog food, chicken and brown rice 30-lb
  • Essential, high-quality protein for healthy muscle development, and carbs for energy for an active life.
  • Calcium, phosphorus and essential vitamins for strong bones and teeth.
  • Glucosamine is added for joint health and mobility support.
  • Vitamins, chelated minerals and antioxidants contribute to your pup's immune system health.
  • No corn, wheat, soy or chicken (or poultry) by-product meals.
Diamond naturals dry food for adult dog, beef and rice formula, 40 pound bag (074198608331)
  • Made in the USA by a family-owned company using quality ingredients from trusted domestic and global sources.
  • With real pasture-raised beef protein as the #1 ingredient, this recipe helps support bones, joints and lean, strong muscles.
  • Beef protein provides energy and muscle building blocks, omega fatty acids promote skin and coat health and superfood fruits like blueberries and oranges offer vitamins and minerals.
  • Each serving includes species-specific K9 strain proprietary probiotics, plus antioxidants and prebiotics to help support healthy digestion, immune system health and overall wellness.
  • Made without corn, wheat, artificial flavors or colors.
Nutro ultra senior high protein natural dry dog food with a trio of proteins from chicken, lamb and salmon, 30 lb. Bag
  • Protein-rich formula features chicken, lamb, and salmon—and chicken is the first ingredient!
  • Contains a blend of 15 superfoods including coconut, chia, kale, and blueberries that promote coat and skin health.
  • Recipe specially formulated for senior dogs using only high-quality, real ingredients to provide complete and balanced nutrition.
  • Ingredients are sourced from trusted farmers and rigorously tested for quality and food safety.
  • No artificial preservatives, flavors, or colors, and chicken by-product meal, corn, wheat, and soy protein free.


Great Danes

While the Marmaduke comic strip series portrays the Great Dane as a lovable galoot who always means well, insurance companies are aware of the actual truth behind the matter. Some owners are able to limit their level of aggression by giving them the proper training during the early stages of their lives, but in most instances, an insurance company is going to take a hard pass on providing coverage to a Great Dane owner. Their size and aggression make them far too much of a liability.

Alaskan  Malamute

The Alaskan Malamute has become more well-known for being a family pet in recent years, but they were originally bred to be working dogs. While their strength and endurance make for helpful assistance as a sled dog, those who wish to own an Alaskan Malamute for personal purposes will find that they are very strong-willed. They love fighting and require constant behavioral maintenance.

German Shepherds

Top 10 dog breeds blacklisted by insurance companies
The world’s leading military and police dog, the German Shepherd comes with a variety of uses, but this does not make them exceptionally safe to have in your home. Unless you are a member of a law enforcement agency, you will find that these dogs have been blacklisted by prospective insurers more often than not.


Akitas are very popular because of their presence in shows, but their beauty makes their aggressive nature, and insurance companies will blackball this dog breed without so much as even a second thought. A dog such as this requires constant supervision when they are around other animals or even small children, which makes them a poor choice for homeowners who are currently seeking insurance.

Chow Chows

This dog breed once made the news for all of the wrong reasons, attacking a small child on a bicycle and causing them harm, even though the dog and the boy were already quite familiar with one another. Their appearance does not inspire confidence, as they tend to wear a scowling expression and have a black tongue. They are also fond of hunting, which can make it difficult for a homeowner to keep them from being aggressive toward other household members.

Siberian Huskies

These dogs are tough to own if you have other dogs in your home, as they are territorial creatures who will attack other pets and cause severe injuries. Every incident involving an aggressive dog does not always involve another human. They are tough for their owners to control and they are pretty costly for owners to insure, which makes them a poor choice for those who wish to keep the costs that are related to their homeowner’s insurance low.


Another dog breed that is rather infamous in pet ownership circles, the Rottweiler, is associated with the idea of striking fear in intruders, but unfortunately for would-be Rottie owners, they also strike a great deal of fear in the hearts of insurance providers. While they are considered to be great law enforcement animals, homeowners are usually advised against purchasing them since they can adversely affect insurance rates.

Perro de Presa Canario

This dog breed made the news in San Francisco back in 2001 when an innocent woman was mauled in her own hallway by her neighbor’s massive Perro de Presa Canario pups. The woman suffered from a multitude of wounds, and her neighbor was sentenced to severe prison time as a result of what took place. Suppose the insurance company has a list of banned dog breeds. In that case, you can usually bet your bottom dollar that the Perro de Presa Canario will be on it and that they will hurt your chances of obtaining the proper coverage.

Doberman Pinschers

This dog breed did not grow in popularity until the 1970s when a rash of attacks from Doberman Pinschers made the news and caused insurance companies to develop serious pause. Stories of Dobermans biting small children have led insurance companies to think twice about providing coverage to those who have chosen to own this particular breed.

Pit Bulls


World’s Most Dangerous Dog Breeds 

In a development that should surprise almost no one, pit bulls are especially problematic when it comes time to obtain homeowner’s insurance, since they are in the news for launching attacks on innocent parties more than any other breed of dog. Pit bulls have been responsible for the deaths of numerous Americans throughout the year and this has given these animals a very bad name. Since they were bred to be fighting dogs, this also adds to their societal stigma.

FAQs: Dog Breeds and Insurance Considerations

Q1: What breeds do insurance companies often hesitate to cover?
A: Certain breeds may face restrictions or higher premiums due to perceived risks. It’s advisable to check with individual insurance providers for specific breed-related policies.

Q2: Is there a particular concern with insuring Chow Chows?
A: Chow Chows may be subject to breed-specific insurance considerations. It’s recommended to inquire with insurance providers about coverage for this breed.

Q3: What breed is Marmaduke?
A: Marmaduke is a fictional character in comic strips and films, depicted as a Great Dane. Great Danes may be subject to insurance considerations based on their size and perceived risk.

Q4: Are there concerns about insurance coverage related to Presa Canario attacks?
A: Incidents involving Presa Canario dogs may impact insurance coverage considerations. Awareness of breed-specific policies and inquiries with insurance providers are essential.

Q5: Are there recent news updates about Perro de Presa Canario incidents?
A: Stay informed about recent Perro de Presa Canario events by checking news sources for updates on incidents involving this breed.

Q6: What breeds might insurance companies choose not to cover?
A: Insurance companies may restrict coverage for breeds perceived as higher risk. Verify with your insurance provider to understand their specific policies.

Q7: What kind of dog is Marmaduke?
A: Marmaduke is portrayed as a Great Dane in fictional works. In real life, insurance considerations for Great Danes may be influenced by their size and potential risk factors.

Q8: Are there insurance considerations for American Bullies?
A: American Bullies may be subject to breed-specific insurance considerations. It’s advisable to check with insurance providers to understand their policies regarding this breed.

Q9: Is there pet insurance specifically for Chow Chows?
A: Pet insurance providers may offer coverage tailored to specific breeds, including Chow Chows. It’s recommended to explore options for Chow Chow pet insurance.

Q10: Are there insurance considerations related to Presa Canario in San Francisco?
A: Specific regions may have varying insurance considerations for breeds like the Presa Canario. Inquire with local insurance providers to understand any regional policies or restrictions.