Away Insurance Companies Insurance companies are trying to limit their exposure to excessive risk by making owners of certain breeds of dogs pay higher homeowners insurance premiums and, in some cases, turning them down altogether. Allstate and American Family say they began to be more selective in 1998 and now have stopped covering some breeds altogether. State Farm has begun looking at a dog's behavior history before writing policies. David Colmans of the Georgia Insurance Information Service says it makes sense to reduce a known risk, and the Centers for Disease Control and Prevention reports 4.7 million people were bitten by dogs last year, up from 3 million in 1998. Part of the increase is due to higher medical costs and greater jury awards.
Safety is foremost.
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