Experts Say These Dog Breeds Could Cause Your Insurance To Skyrocket

We know how hard you love your dog, it may be considered as your best friend or even a member of your family.however, insurance companies see it differently; to them, a dog insurance may be a responsibility so many reasons. Is your dog on the list?

Chow Chow

Chow Chows may be your perfect buddy. They may be movable and cuddlesome, however, they are quite huge, and they have been known to harm babies accidentally. They also need to be around strong leadership — which is hard for children to understand. Moreover, these dogs are so jealous of other people who approach their owners.


Bullmastiff dogs can grow terribly giant, and they don’t bear in mind of their huge size. Wich may be a big problem, particularly around young children, because this dog will simply knock your kid down unexpectedly. they’re additionally so much more aggressive than the most dog, However, their aggressive nature is often controlled as long as you show sturdy leadership. As a result, training your dogs as early as you can be taken seriously because it would be so hard to do later in life.


Pekingese could seem loveable and sweet, however, they don’t like to be treated like toy dogs. Despite their appearance, they are so brave and independent. Unfortunately, young children don’t perceive the character of Pekingese, so they have an inclination to play and cuddle the dog. Once Pekingese feel some weakness, they become tough. If you decide to worry for this breed, make your kids perceive their nature. Your child additionally has to intensify as a pack leader and show authority once they are with these dogs—or else better look for another breed.

Pit Bull

Sometimes, Pit Bull seems like a good working or maybe a family dog, but he can be quite dangerous. These dogs are usually bred for the aim of dogfighting, so they may have quite the humor and kindness sometimes. But, If they attack, they will generally pang and grapple, unwilling to abandoning.

That doesn’t mean that some Pit Bulls can’t be amicable and wreak appropriate bets. But with this breed, there may always be a risk that their humor will get out of control and you and your children may get attacked by them.

Saint Bernard

The Saint Bernard breed is so popular. These dogs are naturally very cute and; you can train them on how to have good behavior around small children. While they are adorable, there is a problem with these dogs, which is their massive structure and size. They may hurt small children by knocking them over forcibly easily. The thing is, they’re not aware of their big build and how it causes problems for families with very small kids.


Rottweilers can grow very large and were originally bred for their strength. They’re also known by there courage and loyalty; so, they tend to act menacingly towards strangers. training can help to restrict their hard personality, and it is so important to show strong leadership all the time. This is why Rottweilers are good as guard and police dogs. They do love playing around, which may cause some mistakes which may lead to something real. Thus, they have a tendency to attack people.


They are the less aggressive ever, but boxers are protective by nature. That’s what generally leads to some aggressive behavior. However, Boxers are known for their loyalty and intelligence. Boxers are considered working dogs, and they were one of the first breeds employed as a police dog.They can also be tenacious, with a high need for association and practice. If these needs are not met, boxers can be devastating when you leave them alone in the house.

German Sheperd

With the right training, German Shepards can be submissive, intelligent, and loyal to their owners. It’s this brilliance that makes them useful in law enforcement. However, it’s through their use in enforcement that we all know they need AN aggressive facet, that is why insurance firms don’t favor them. After all, they’re giant, powerful animals with sharp teeth that they do not keep concerning mistreatment. although they’re well trained, they’ll act erratically.


Dobermans are useful almost all the time, often being used by the military. However, that means they are trained to be attacking when they have to. They enjoyed great popularity during the 1970s, but, there was a spike in dog bites from the breed. Dobermans are attackers toward strangers. These instances became less frequent over the years. However, if a Doberman turns on you, things will get bad, which is why insurance companies stay cautious of them.

English Toy Spaniel

Everyone thinks that the English Toy Spaniel might be an excellent dog for children because, first of all, they are seen as very cheerful. Moreover, they’re known by being fluffy and small. But the problem is that Toy Spaniels may see the rough play from children as menacing. They sharply react if they feel misbehaved. It is important to show strong leadership because they can quickly turn into a violent pet, they are


Greyhounds have been bred for racing, and they are reared for their incredible speed and energy. They require a lot of running around as part of their daily exercise. Otherwise, they will have loads of pent up energy. With a propensity to attack small animals, they may do so with little tots. They also dislike rough play; thus, they don’t tolerate children hovering or trying to cuddle them. If not properly trained, they become reserved for their master, making them unpredictable. These are the reasons why they are not ideal pets for families with small children.

Shih Tzu

The Shih Tzu is one of the least recommended dog breeds for families, as they are easily overexcited and frightened, which can lead them to bite children. This is especially true when children play rough with them. They bite when frightened as part of their natural defense mechanism. Shih Tzus also require the constant presence of their masters as they easily develop separation anxiety if left alone. And since parents do not have the luxury of time when kids are in the picture, owning a Shih Tzu might not be a good idea.

Jack Russell Terrier

The Jack Russell Terrier is known for being an unusually energetic dog, and they require constant and structured training at all times. The thing about children is that they like to pinch and poke dogs. Since Jack Russell Terriers do not tolerate rough play, they have a tendency to bite in a way to defend themselves. If not trained properly, they can develop behavioral problems. Because of their high energy and low tolerance threshold, they are not recommended for families who have small children.


A Dachshund is a small dog breed that originated from Germany during the 17th century. They were used for hunting small game animals. They have strong hunting instincts; thus, they do not go well with other small pets. Because of their size, they are susceptible to small dog syndrome wherein they try to compensate for their small size by having a large attitude. This often leads to behavioral issues. They can do well around children but do not tolerate rough play. They tend to be aggressive if they sense that they are being manhandled by humans.


Bred as a hunting dog, the Weimaraner is full of energy that they need to expend, daily. They love to run around, and unknowingly knock children if they are in the way. They can easily get bored, and their hunting instincts make them overexcited when they are in the presence of small creatures, which they will also see your kids as. But despite their easily excitable nature, the Weimaraner is also very needy in terms of physical activities and exercise. Their elevated energy, size, and physical needs may make them seem like a difficult dog, according to insurers.

Siberian Husky

Siberian Huskies are an athletic breed of dogs, and they are popular for their unlimited energy. They were first bred to pull sleds in the snow, and their instincts tell them that they don’t need to protect their family or guard their homes. They also require a lot of attending to and can compete with small children for attention. Although they have a strong personality, a Siberian Husky can be trained to become an extremely loving pet—but you will need to have the patience.

Australian Sheperd

An energetic and brave dog breed, the Australian Shepherd was first bred as a disaster rescue dog and watchdog. They require frequent physical activities as they are bursting with energy. They need to have their daily walks. Otherwise, they develop behavioral problems. This daily need can be too taxing for families, and another reason why this dog breed is not seen as family-friendly is that they are uneasy when meeting new people. Also, they have the tendency to view children as part of their pack, and they can become aggressive towards children’s transgressions.

Great Dane

Know as one of the tallest dog breeds out there, it’s that size that can make them dangerous at times. They’re capable of overpowering smaller animals, including other dogs in the neighborhood. The same can also apply to children, which is why insurance companies aren’t always a fan of Great Danes. If they aren’t trained early, it’s hard to know when their aggression might manifest itself. While attacks may be rare, at over 100 lbs., when a Great Dane does decide to get out of control, it can be hard to stop them.

Staffordshire Terrier

More or less a cousin of the Pit Bull, the Staffordshire Terrier is a strong breed that must be well-trained as early as possible to keep it from becoming overly aggressive. To be fair, they have a history of being friendly with humans, which is why some are inclined to keep them as pets. However, they have been bred for many years to fight with other dogs, so there is definitely a nasty streak in their lineage. This makes them a risky pet to have in the eyes of insurance companies that would rather not take any chances.

French Bulldog

The French Bulldog has a playful nature, but this does not mean that they are great for children. They are demanding in terms of time and affection, which is something that households with small children are short of. If not given proper training with enough attention, they feel unloved and neglected, and these lead to behavioral problems such as aggression and destructive behavior. Make sure that you display authority over the dog, as giving them free rein can be a disaster for your household.

Alaskan Malamute

The Alaskan Malamute was brought up to survive in the harsh and isolated surroundings of the tundra; therefore, they are not used to being around playful children and may react negatively towards your little ones. They are also known for being difficult to train, and as steadfast pack leaders, they need loads of socialization, not only from other dogs but also from people. They have been known to attack smaller animals and even children, which is why some insurance companies label them as aggressive.

Afghan Hounds

Afghan Hounds were first bred for hunting and guarding homes. This makes them inherently serious and strong-willed. They require strong leadership all the time. If not trained, they can easily become destructive and disobedient. But aside from its instincts, the reason why they are not good for families with small children is their size. They need to be around calm and collected people. Finally, they might see the playful nature of small kids as a sign of aggressiveness towards them and react negatively.


The Dalmatian is a large-sized dog that was originally bred for hunting small rodents and games. They have also been guard dogs in the past. While they are depicted in movies as adorable and friendly dogs, they are very reserved towards other dogs. They require constant socialization and affection from their masters, which is limited if you have small children around. Otherwise, they develop behavioral issues such as biting and scratching. They are good to have around with larger kids, but because they need to release their high energy, they can easily knock small kids around during play.


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