Several years ago, I guess back in October 2013, we adopted Cora, our half lab/half red hound, at the humane society. She was 8 months old and hated cats. I don't think she hates cats, she just likes to chase cats. No idea what would happen if she caught one. I guess we'd find out if she truly hated them.
She also chases squirrels, deer, birds, I've even seen her chase a bee. That's right, and she caught it in her mouth. She doesn't do that anymore. Nor does she mess with snakes anymore...
Regardless of her chasing habits, she has never threatened a human being. I'm not sure she's ever even barked at anyone. But insurance companies don't care about how gentle she's always been. They do care about her breed's history. And in Cora's case, both breeds.
Yes, it's stereotyping, but it's hard to blame our homeowners insurance company for not wanting to insure a Doberman Pinscher, or Rottweiler, or a Pitt Bull, etc
I grew up with 2 Dobermans; Boozer and Cora (yes, that's where our current dog got her name). Dobermans have a long history of snarled lips and pointy teeth. Maybe they're mean because someone cut their tail off, but regardless, they're typically mean. Stereotypically mean? Possibly.
It never crossed my mind when adopting Cora (the lab/hound) that it would be risky towards my homeowners insurance. I would have never brought home a bulldog, Akita, Bullmastiff, or any other historically aggressive canine.
1) I don't want my home insurance to be affected
2) I don't want to be responsible for someone getting bit
4 out of 10 households have a dog. My best guess would be most new dog owners never check with their insurance company for approval. They either don't think about it, or simply don't care.
Either can be very dangerous.
Don't back your way into a sticky situation. In some cases we obtain forgiveness easier than permission. This shouldn't be one of those cases.
There are 10-20 dogs you should steer clear of, and your homeowners policy will list those not approved.
But if you can't find your policy, you can always email me. I'll gladly help you make a wise decision when it comes to a dog affecting your homeowners insurance.
The picture above is my 2 boys (RyRo & Sean) and our wonderful dog, Cora. The barn in the background sits behind our house.