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What Dog Breeds Will Raise Your Homeowners Insurance Rates?

There are about 4.5 million people who get bitten by dogs every year. Of that number, around 885,000 are hospitalized and 350,000 required emergency services. Dog bites have been the most common cause of home insurance claims for quite some time now. Because of that, home insurance costs have risen each year.

People who are most likely bitten by dogs are usually relatives, friends, and neighbors. Thus, as a dog- and homeowner, you need insurance coverage that will cover bites through a homeowners policy.

It is important to note, however, not all dog breeds raise home insurance rates. In fact, insurance companies have conducted studies and determined that certain dog breeds are associated with increased incidence of dog bites.

Here’s a list of dog breeds that will most likely increase your homeowners insurance.


The Akita dog originated from Japan. It was bred to be a guard and hunting dog. They are naturally very protective. Thus, they need consistent training.


Boxers are very smart dog breeds. But they are also said to be very protective. Their overprotectiveness often leads to aggression.

Chow Chow

The chow chow is known to be stubborn, protective, and territorial. Because of that, it is known to have a dangerous dog bite.


Dobermans have been the top dog breed for dog bites in the 1970s. Since then, they are often described as overprotective and aggressive.

German Shepard

Insurers often consider German Shepard as a dangerous breed. Being frequently used by militaries and police officers, it shows that they can be trained.

Great Danes

The great dane is a popular dog because of the Scooby Doo cartoon. Because of that we never thought of them as a dangerous dog breed. But did you know that they have been responsible for some deaths due to dog bites over the years?


With a husky’s fierce look, they are known to have aggressive tendencies which can become dangerous when not trained properly.

Pit Bull

A 20-year study shows that pit bulls are responsible for about 32% of fatal dog bites.


The Rottweiler is said to be the second most lethal dog after the pit bulls. That’s because its bite has over 300 pounds of pressure.

Wolf Hybrid

The wolf hybrid is a wolf and dog mix. While they look like a normal dog, they can retain their “wild” characteristics that are often seen in wolves. This dog requires proper training and enough room to run and play.

Whatever breed your dogs are, it is best to be protected from liabilities. Have your home properly insured. Aside from that, never forget to keep them vaccinated on time.

Wellcovered Insurance offers extensive homeowners insurance coverage, which you can tailor according to your needs. As one of the largest investments you have, it’s crucial to get proper coverage for your home. We’ll give you the best protection you need for a reasonable price. Get a quote from us by clicking here or you can talk to us by calling (386) 218-4951 or visit us today!