Beware of Dog - The Potential Insurance Risk

Real Estate Agent with Diamond Partners Inc 00244377

Dog owners unite! If you are like me, you look forward to returning home each day to be greated at the door by a wagging tail and receiving a hero's welcome? There is just something therapeutic about the unconscionable love, loyalty and companionship of our quirky and sweet furry kids.

Seriously, dog people are my kind of people! But, I hate being the bearer of bad news. As home buyers, we may find ourselves in a bit of a jam when it comes to obtaining insurance coverage. This is because dog ownership and homeownership presents added risk to insurance carriers and some dog breeds could make it even harder, if not impossible or extra costly to obtain coverage. 

The following breeds are  catogorized as dangerous and could even be excluded from homeowners insurance coverage, just something to consider when purchasing a new home, or a new dog.

Here's what know ahead of time. Does your dog make the list? 


List of the 14 main dog breeds that most carriers deem as ineligible:


  • Pit Bull Terriers
  • Staffordshire Terriers
  • Rottweilers
  • German Shepherds
  • Presa Canarios
  • Chows Chows
  • Doberman Pinschers
  • Akitas
  • Wolf-hybrids
  • Mastiffs
  • Cane Corsos
  • Great Danes
  • Alaskan Malamutes
  • Siberian Huskies

Please keep in mind that ANY dog with a bite history is considered ineligible, not just the breeds listed. Also, not all carriers will deem them ineligible, but most will and the ones that will not will charge a surcharge for these specific breeds.


This information was provided to me by ABBY BRANHAM Insurance Agent | ReeceNichols Insurance.


Posted by



Carol Culkin - Licensed Real Estate Salesperson for ReeceNichols Real Estate, is your source for real estate in Overland Park and the bordering cities of Leawood, Olathe, Mission, Miriam, Lenexa and Shawnee, Stillwell and Spring Hill. Carol has been ranked as an award winning agent and offers her clients over 10 years of real estate experience.


Member of National Associations of Realtors®, Member of Kansas Associations of Realtors®, Member of Kansas City Regional Associations of Realtors®, Member of Heartland Multiple Listing Services, Accredited Buyer's Representative (ABR), Seniors Real Estate Specialist (SRES), Red Cross Volunteer - Greater Kansas City Chapter, Supportor of Cross-Lines Community Outreach.


ReeceNichols Real Estate

8001 College Blvd Suiite 100

Overland Park, KS 66210

Office: (913) 451-4415
Cell: (913) 333-8310  



Comments (2)

Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

Hi Carol,  Thanks for sharing this information on dogs and insurance companies.  I know we have to consult this list from time to time when we are taking applications for our rentals.  I'll keep this list handy. 

Nov 04, 2020 06:12 PM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Interesting facts to know about insurance for pet owners and especially the breed of dogs that are ineligible with many carriers.

Nov 05, 2020 03:03 AM