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Certain insurance companies may raise your home insurance rates, or limit or exclude coverage in your policy, if you own a specific dog breed. Owning a banned dog breed could mean your home insurance company will deny a claim if your dog bites or injures someone, leaving you to pay the entire cost of injuries and legal fees.

The average cost of a dog bite claim in 2021 was $49,025, according to the Insurance Information Institute. When insurance companies review dog liability claims, certain breeds show up more often than others. Knowing what homeowners insurance companies ban dog breeds may help you decide which carrier to use and what to do if you own a banned dog breed.

Dog breeds most often banned by homeowners insurance companies

Insurance companies are not always open about the breeds they ban, making it harder for homeowners to decide which company to choose. We analyzed more than 40 home insurance companies across the country to find the most common banned dog breeds.

The top 12 banned dog breeds most often banned by homeowners insurance companies are:

• Doberman Pinscher


• Pit bull


• Rottweiler


• Chow Chow


• Wolf dogs and hybrids


• Presa Canario (canary dog)


• Akita


• German Shepherd


• Husky


• Mastiff


• Alaskan Malamute

Pit bull is a term used to encompass several Bull Terrier breeds and mixes of these breeds. American Bull Terriers, American Staffordshire Terriers, Bull Terriers and Staffordshire Bull Terriers all fall under the pit bull umbrella.

Certain insurance companies may raise your home insurance rates, or limit or exclude coverage in your policy, if you own a specific dog breed. Owning a banned dog breed could mean your home insurance company will deny a claim if your dog bites or injures someone, leaving you to pay the entire cost of injuries and legal fees.

The average cost of a dog bite claim in 2021 was $49,025, according to the Insurance Information Institute. When insurance companies review dog liability claims, certain breeds show up more often than others. Knowing what homeowners insurance companies ban dog breeds may help you decide which carrier to use and what to do if you own a banned dog breed.

Dog breeds most often banned by homeowners insurance companies

Insurance companies are not always open about the breeds they ban, making it harder for homeowners to decide which company to choose. We analyzed more than 40 home insurance companies across the country to find the most common banned dog breeds.

The top 12 banned dog breeds most often banned by homeowners insurance companies are:

• Doberman Pinscher


• Pit bull


• Rottweiler


• Chow Chow


• Wolf dogs and hybrids


• Presa Canario (canary dog)


• Akita


• German Shepherd


• Husky


• Mastiff


• Alaskan Malamute

Pit bull is a term used to encompass several Bull Terrier breeds and mixes of these breeds. American Bull Terriers, American Staffordshire Terriers, Bull Terriers and Staffordshire Bull Terriers all fall under the pit bull umbrella.