10 Dog Breeds Often Blacklisted by Insurance Companies

You must remember that each insurance company draws up its own list of blacklisted dog breeds that is based upon its own opinion of the risk associated with the dog breed. Furthermore, for blacklisting a breed, no specific scientific criteria are required. It is possible that simply one media report might be enough to cause an insurance company to decide that one or another dog breed is dangerous.

9. German Shepherds

The AKC says the German Shepherd is the world’s leading police, guard and military dog. According to The American Veterinary Medical Association

, German Shepherds frequently appear in lists of dogs implicated in biting incidents. In New Athens, Ill., two German Shepherds, owned by the town’s former police chief, mauled an eight-year-old girl in 2013. The girl was bitten on her left leg, chest and back.

Tip 8: 20% Reduction in Premium by Raising Your Deductibles- Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent.