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Anytime dogs and insurance are mentioned together, everyone is all ears. Aside from the fact that millions of people own and love dogs, there are many people afraid of dogs or who have had bad encounters with various house pets. Some of these encounters are the fault of the dog, the owner, or the injured. Regardless, everyone has an opinion about dogs and whether they are inherently bad depending on the type of breed they are, or whether their behavior reflects on the training or lack thereof provided by the owner. Various cities and states have even established regulations concerning dogs, and insurance companies have had their own issues.

Back in the 1990s bad dogs were the bane of personal lines underwriting. It was common then for carriers to maintain lists of specific breeds that were not eligible for a homeowners policy if the insured owned a dog of one of these breeds. Most commonly the list included Pit Bulls, Doberman Pinchers, German Shepherds, Akitas, Chow Chows, Rottweilers, Siberian Huskies, Presa Canarios, Boxers, and Great Danes. The thing all these breeds have in common is size and strength.

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