How Your Dog’s Breed Affects Your Insurance Costs

Dogs are an integral part of many American households. However, certain breeds cause suspicion and alarm, leading to often undeserved reputations. For example, while Rottweillers are generally no more aggressive than poodles, people may be more likely to report those bites. This can impact your liability and insurance costs. 

Treatment and Training

How a dog is treated is one of the most critical factors determining the likelihood of an attack. Dogs bred and trained to be aggressive are more likely to exhibit that type of behavior. 

Breed Tendencies

Certain dog breeds tend to exhibit behaviors that have been bred over generations. For example, Border Collies may nip at small children as they herd them to a designated area. In the same way, other breeds like German Shepherds may tend to be very protective of owners. These tendencies directly impact insurance rates. 

Physical Appearance

You shouldn’t judge a book by its cover, but many people do precisely that when it comes to dogs. The natural tendency is to assume a larger or “mean-looking” dog is more dangerous than a smaller or happy-looking one. That may be why dogs like chihuahuas, which are notoriously aggressive, are not usually viewed as a threat. 

Regardless of disposition, there is a direct relationship between dog breeds & insurance costs. Understanding how breed affects liability can help you choose the right coverage for your family.