dog insurance premiums

There are some dog breeds that are considered with high risk and you may think of dog insurance premiums that can minimize the risk to some extent. This article will discuss the benefits of dog insurance premiums.

Which dog require insurance premiums

Doberman Pinscher

Dobermans are often regarded as high-risk dogs in behavior often featured on film and TV as disguised deterrents. The tendency towards domination and territoriality can also lead to anxiety.

If persuaded, they can attack aggressively, and these dog insurance premiums

Also, they are incredibly loyal – which makes them great guard dogs. This, combined with their brutality, explains why they are so often used in police and military operations.

Of course, these features also lend themselves to justifying why these dogs can increase your insurance premiums.

Siberian Husky

Despite their often extravagant expressions, buds can become quite anxious when left alone, sometimes leading to a state of excitement. Things can get really ugly if one of these dogs attacks, with a strong bite power of around 320 psi.

Drunkards are often also known to have high hunting drives. Sometimes it can present itself as a problem around kids.

The last thing any insurance company wants is for a child to attack a customer’s dog.


Known as strong, influential, and individual, Akitas often presents a risk in the eyes of some insurance companies to provide dog insurance premiums.

These can be quite territorial and may also require extensive training because of their inherent domination. These are often considered by experts as an inappropriate breed for first-time dog owners. When inappropriate or not well trained, they can also be exceptionally aggressive toward strangers.

Some states and countries even consider them as dangerous as how big, approachable dogs are. As such, they were targeted for the creation of caste-specific laws in some regions.

With all this in mind, it is not surprising that some insurance companies are not interested in this breed.

Chow Chow

Although chow chow is not a very active breed, both people and property have a reputation for being extremely secure.

Regardless of how brief they may appear, they are often considered strangers, which is why some people hire them as guard dogs.

Youths need to be properly adjusted – and continuous socialization is required for the thieves to ensure that extra resistance and avoidance of aggression.

However, not all dog owners are responsible when it comes to this national need.

This is why this breed is often considered threatening – and it can affect your premiums, too.


One of the distinctive features of boxing is that they have pretty tight jaws. Their powerful bite makes them exceptionally efficient at leaning towards larger prey.

These dogs were first employed if you hunted big prey, but, if a boxer chooses to bite a visitor into your home, this can be quite destructive.

They are not known to be an ugly or aggressive species, though they are naturally good guardians, to enable dog insurance premiums.

Like all dogs, guests in your home also need proper socialization to make sure they are well-behaved. Unfortunately, again, not all dog owners can be as responsible as you.

Considering the likelihood of serious damage to an event, it is easy to understand why their presence could affect your coverage for dog insurance premiums.

Wolf-hybrid dog

Despite how cool the Game of Thrones can be, many experts strongly advise against keeping wolves as pets. In fact, they are illegal in more than one-fifth of US states.

Additionally, there is no USDA-approved rabies vaccine for the breed. Yes, they can receive (and usually require) the rabies vaccine, considering the use of canine-approved vaccines “without labels” considered, as protection against the virus is not fully guaranteed.

This, in conjunction with other laws involving wolf hygiene, can often negate coverage from many insurers.

German Shepherd

Dogs commonly used by law enforcement have a reputation for being quite deadly in certain situations.

Also, these dogs are often a large breed with considerable energy and often require considerable care and training.

Considering these factors, it is not surprising why some insurance companies can increase the rates of their owners.


Bullmastiffs are very big, strong, and muscular dogs, which is their primary reason why they are sometimes considered a liability. On average, men weigh between 100-130 pounds and women generally do not weigh very little.

Their bites can be especially harmful, considering their strength. Their bite power is close to 556 psi, more than twice that of a German Shepherd (238 psi).


Like the other dogs on this list, the Rottweilers are known for their protective nature. They are often seen as guard dogs and can also be used as police dogs. Like the Dobermans, they often appear in movies and TV shows as a threat to them.

Although they may get bad reps for the foregoing, they are often more confident than friends. Also, they are also incredibly powerful.

Irresponsible ownership, neglect, abuse, or lack of training and socialization can also lead to potentially dangerous behavior. Keeping this in mind and considering how powerful these dogs are, some insurance providers see this as a risk factor.

Pit Bulls

There has been a lot of heated debate in recent years about pit bulls. Although many would argue that the lethal breeds are unfairly blamed, they remain the poster dogs for the invasive breeds.

It does not help that they are statistically responsible for the largest portion of dog bites at the top of the Pit Bulls list year after year, and in 2018 the breed was associated with 26 deaths. It dies in the bite of all dogs that year.2%.

For comparison, the second on the list was mixed-breed dogs – and they were responsible for only 3 deaths resulted in dog insurance premiums.


Significantly, according to a survey conducted by the American Temperance Test Society, pit bulls are not even among the top 75 most aggressive varieties. (Of the dogs they tested, the bearded collies failed the most, meaning they were at the top of the list for aggression. French bulldogs were the least aggressive.)

Regardless of the various studies and available data and whether or not they are for Pit Bulls, the stigma remains. And so do the reported statistics of actual events.

As long as these dogs are associated with a large part of the serious injury (and death) resulting from dog attacks, they will continue to be considered a major liability.

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