Getting a puppy, or a dog, is just the best, right? But you might want to make sure your new furry family member isn’t on THAT list.
Is Your Dog One Of The Blacklisted Dog Breeds
Friends of mine bought a house recently. When they went to do their homeowners insurance, the agent told them their Chow Chow dog was one of the blacklisted dogs, according to insurance.
It’s part of the American dream: Buying a house, having children, getting a dog. And playing with Fido non stop, or taking him on walks in the neighborhood. Look at the kids gathering around for pictures, and selfies with your four legged friend. Uh-oh – Fido doesn’t like that kid, Oh, no! A cat! Now the American Dream is a bit of a nightmare.
They Are Not Bad Dogs, They Just Have Bad Tendencies
ANY dog can bite, so you always have to be careful. My vet once told me that dogs are like people: WE don’t like very person we meet, and dogs don’t like every dog they meet.
Sometimes even animal lovers don’t want to believe it, but there are some very dangerous dog breeds out there. And they can – and have – caused cause serious damage to people, and even their owners.
A dear friend of mine had the cutest little white Bichon Frise, Jack. Such a sweet dog – until he wasn’t. Jack bit several people over the years, and his owners took care of several people’s medical bills as well. You just never know, with any dog!
You could be in for a surprise if your insurance company asks if you have dogs, and what breed they are. Why would they need to know that?
It’s Not The Dog, It’s The Statistics
Actuaries analyze and collect data. And they use that info to calculate insurance risks, and premium costs. There are a lot of dog breeds that are risky for insurance companies. If insurance asks, and you don’t tell the breed, or don’t say you have a dog, that could be bad.
If your dog bites, or injures someone, insurance can say NOPE to paying the claim, because you lied.
And if it’s one of the breeds that is considered risky, you might end up paying more and if you’re a renter, you could be turned down for an apartment or even be evicted. Especially if you get a dog after you rent. Pet policies are really specific for different sizes and breeds of dogs at a lot of apartments.
Here are some dog breeds, according to Forbes, that have a bad reputation when it comes to insurance. They’re not bad dogs, they are just considered risky when it comes to your insurance company. This is not to say that these breeds bite more than others. Their bite is just much more dangerous than say, a chihuahua.