Dog Breeds and Insurance Companies

October is pitbull awareness month. The term “pitbull” is a generalized term that incorporates 5 breeds. Pitties are a great group of dogs! Just like any other breed they need to be trained, socialized and exercised properly. Remember, there are no bad breeds, just breeds that need owners that know how to properly socialize and handle them. As with any other breed, you should do your research before getting a new dog. Understand what they were bred to do and their specific care needs to make sure everyone can live happily together.


Pits were developed by crossing bull-baiting dogs and terriers. They are athletic with great stamina. If you own a “pitbull” make sure you provide them with lots of exercise and a “job” to do. There has been many famous “pits” throughout history. Ones that generated love and happiness not fear. Helen Keller had a beloved pit, Sir Thomas. Then there was one of the most awarded and famous war dogs, Sergeant Stubby. Stubby served for 18 months and participated in 17 battles on the Western Front during World War One. He saved his regiment from surprise mustard gas attacks, found and comforted the wounded, and once caught a German soldier by the seat of his pants and held him there until American soldiers found him. But this blog isn’t just about pits and how awesome they are. It is to bring light on the subject that home insurance companies may charge you more if you own certain breeds, and not just “pits”.


Dobermans, Rottweilers, German Shepherds, Chows, Huskies, Great Danes, Akitas, Boxers, Presa Canarios, Mastiffs, Cane Corsos, and Malamutes are the top contenders. If you don’t have one yet but are planning on getting one of those breeds, you might want to call your insurance company prior to see if there are going to be changes to your insurance by getting one. Even if your dog isn’t one on that list, you could be looking at higher home owner/ renter’s insurance if your dog has attacked someone or another animal and is now deemed a dangerous dog. By doing your research and making sure the appropriate steps are taken, you are taking the necessary steps to proper dog ownership.


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