Blogs | Ethan Shorey

Insurance companies don’t like pit bulls

Insurance companies generally go to great lengths to get it right, especially when it comes to limiting costly claims against them. So when a company won't insure a certain breed of dog on a homeowner’s policy, should that tell us something about the dog?

A local insurance agent told me that his company, and many others, have pit bulls at the top of their list of banned dog breeds because experts in the business believe they represent the greatest risk of an insurance claim and loss. Many people still decide to own uninsured dogs, said the agent, leaving themselves wide open to costly lawsuits should an attack ever occur. Others choose to purchase special dog insurance policies, which are very expensive.

The following purebred dogs are all on one insurance company’s banned list:

• American Staffordshire terriers, American pit bull terriers, and Staffordshire bull terriers, all commonly known as pit bulls.

• Rottweilers.

• Doberman pinschers.

• Presa canarios.

Also banned are wolf hybrids, trained attack or guard dogs, any fighting dog or dog bred for fighting, any dog with a prior history of causing bodily injury to a person or attacking another animal, and any unlicensed dog.

Here's my Aug. 28 story on the ongoing controversy and potential lawsuit over Pawtucket’s ban on pit bulls:

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Well I can see why wolf hybrids won't be accepted by an insurance company; however I'm sure there are still companies who have insured themselves that can and will accept anyone, just as there are companies who will charge impossible amounts of money and subsequently will insure anything and anyone. I had a research done by that came up with interesting statistic on companies that insure anyone and the truth is that the amount of "risky" situations when they are obliged to pay money are too small in comparison to their profit

They have a dissertation on this area I think Mops is a king of safest dogs)