While you have much love for your dog, the canine liability insurance companies might not. Depending on your dog’s breed, you might find it very difficult to secure an affordable dog bite insurance.

Just so you know, insurance companies keep statistics of dog bites all across the country, and the figures help determine the cost of dog liability insurance for renters or homeowners.

Some insurance companies just don’t like a certain breed of dogs, and that is crucial information you need before buying your pet.

Based on figures from the insurance industry, dog bite related claims are now at least one-third of all real estate owners insurance liability claims in 2013.

That was about $490 Million in 2013, and the figures for 2014 has already surpassed that.

To help minimize the risk, some insurance companies are just refusing to provide canine liability insurance if you own certain dog breeds.

Dog Breeds That Are Hated By Insurance Companies

If you own a dog that’s on this list, you might find it hard to secure an affordable Dog liability coverage.

The choice to keep the pet is yours, but the cost of fighting a lawsuit from a good dog bite lawyer can be quite expensive.

Here are the dog breeds canine liability insurance companies consider the riskiest:

Staffordshire terriers and Pit Bull Terriers

Based on insurance statistics, both types of terriers are grouped together. Pit bulls have different looks, shapes and sizes, but their ferocity has never been disputed.

I make it a point to move away when I see one not on a leash. Unfortunately most people with dogs have no dog bite insurance, as it is not mandated by law.

Recently in Newark, N.J., a ten-year-old boy was left home alone with two pit bulls by his father, and he was severely bitten.

The boy is in critical condition, and the father is facing multiple child endangerment charges.

News of pit bull bites are prevalent all across the country, and that just makes it easier for insurance companies to deny coverage, or make it truly unaffordable.

The terrier dog breeds have a reputation for unpredictable behavior, and the dog bite statistics supports such claims.

You can buy one at your own risk, but good luck finding a dog bite insurance that’s affordable.

Doberman Pinschers

This dog breed became more popular during the 1970s, so did the dog bites incidents. They make good guard dogs, but the handler most be knowledgeable and fearless.

Doberman Pinschers can be affectionate, loyal and obedient to the owner. Rarely do they turn on household members, but a case in 2008 in Brooklyn made the insurance cost for this breed skyrocket.

A little baby that was just 8-month old was mauled by the family’s Doberman. The grandmother could not pry the baby’s neck from the clenched jaw of the dog.

From my experience, they make good guard dogs, but strangers beware of this dog breed.

If you intend to own a Doberman Pincher, expect your dog insurance cost to reflect the risk involved.

Rottweilers

Rottweilers are commonly used as police dogs for a good reason because they can be trained to protect any territory.

On the other hand, a Rottweiler with an owner that does know anything about dog control methods can be dangerous.

This dog breed needs constant obedience training, including socialization skills. It’s hard to get canine liability insurance for this dog breed.

In fall of 2013 a girl on her way to school was ambushed by two loose Rottweilers, and the injuries on her face required reconstructive surgery to heal properly.

Even in states that have laws prohibiting discrimination against certain dog breeds, dog insurance cost for owning a Rottweiler would cost you a bundle.

Chow chows

I was surprised to find this lovely dog breed on the dog liability insurance riskiest list. All it takes is one widely publicized dog bite attack.

The most notable was an attack by a Chow chow in 2012 against an eight-year-old boy riding his bike in York, South Carolina.

The boy’s injuries required multiple stitches, and the dog was eventually euthanized by the state.

This dog breed is aggressive towards other dogs, but you never know with little furry friends.

Other Dog breeds on that Riskiest list includes:

> Great Danes <
> Perro de Presa Canario <
> Akitas <
> Alaskan malamutes <
> German shepherds <
> Siberian huskies <
> Wolf hybrids (wolf dogs) <

If you’re a homeowner or renting an apartment, you’ll be wise to invest in a dog bite insurance policy with robust coverage amount.

Your dog might be friendly to you, but aggressive towards strangers when outside.

You should know that one dog bite incident can remake your financial picture towards the negative if your insurer does not cover the entire judgment from the lawsuit.

If you own any type of dog breed, you need to protect yourself from dog bite lawyers by having a robust canine liability insurance.

While your dog might be the best behaved, all it takes is one bite incident to bring the financial sharks running towards your money.

Do not take any chances, get yourself a large enough dog liability insurance so you can rest easy from any unforeseen accidents.