Why do some dog breeds prevent a person from getting insurance?

Insurance. It's a big thing nowadays. Its best described as a contract that helps a person out when he needs money to fix losses. There are many different insurances out there, such as car, house, renters, health, and even insurance for your dog! But have you ever had to change insurance carriers because of your dog? It's more common than you think, unfortunately. Here is a list of breeds that may affect your ability to get certain insurance:

• Akita Inu

• Alaskan Malamute

• American Pitbull Terrier

• Bull Terrier (regular and miniature)

• Chow Chow

• Cane Corso

• Dalmatian

• Doberman Pinscher

• German Shepherd

• Presa Canarios

• Rottweiler

• Siberian Husky

• Staffordshire Bull Terrier (English and American)

• Any wolf-dog hybrid

Why these certain dogs? If you look at recent dog attacks, it's usually these breeds that do it. And insurance companies are getting tired of using their money to help people pay for hospital bills for dog attacks, even though helping people pay is their job. When you own one of these dogs, you may risk your chances of getting special benefits and your rates may go up. However, a simple thing to do is to change insurance carriers. Carriers such as Allstate and USAA allow you to own any dog without your rates going up. And carriers based in states such as Michigan, Nevada, New York, and Pennsylvania have no restrictions based on the breed because it's against the law in their state. According to Michigan's Senate, "bans will be against aggressive dogs, not the breed itself." Good job to you, Michigan!

It's important to do some research before choosing an insurance. And it's important to see if your dog makes it to the banned list. Happy reading, and of course, Canine Good!