We analyzed banned dog breed lists from 42 homeowners insurance companies across the nation to find the most frequently banned breeds. Some take dog bite problems on a case by case in deciding whether to offer insurance to the owner. Not all home insurers have strict lists of banned dog breeds. To rein in costs, many home insurance companies have lists of banned dogs-cases where the insurer won’t provide coverage if a customer owns the breed.
The average dog bite claim has been around $44,760, according to the Insurance Information Institute. Homeowners insurance pays out for dog bites or other dog-related injuries-such as a fall when a dog jumps on someone or runs at them.
The problem with dogs is the expensive liability claims against the dog owners.
Aside from natural disasters and water, the three things that give home insurance companies agita are dogs, pools and trampolines.
