What Dogs Are Not Allowed On Homeowners Insurance? 
The breeds of dogs that are specifically excluded from homeowner policies vary by Insurance Carrier . Some Carriers will not even write the policy and other will charge a higher rate based on their particular underwriting guidelines pertaining to dogs and other potentially dangerous animals . According to some of my Carrier contacts , the top five breeds that are almost always excluded are : Pitt Bulls ; Rottweilers ; German Shepherds ; Staffordshires & Chows . However , you need to ask your agent to give you the lists , by Carrier . Some of the other breeds that came up as possible exclusions : Great Dane ; Akita ; Wolf Hybrids -LRB- Yikes ! -RRB- ; Siberian Huskies & Alaskan Malamutes . Also , it is important to remember that many States have ` strict liability ' laws in-place with regard to dig bites from any breed . This means that the homeowner is automatically at fault for the animal biting someone unless there are certain illegal or obvious provoking activities involved , that can be proven in the event of a bite . The key point is to make sure you reveal to your agent the type of dog or any animal , for that matter that could bite a person , including cats . Do not conceal this type of information . 