I have USAA homeowner's insurance (and 4 Chihuahuas). I am very curious.

companies don't cover some dog breeds such as "pit bulls" rottweilers, dobermans, german shepherds, mastiffs, etc... even if there is no history of a dog bite or any other aggressive behavior.

We switched to USAA because they don't have any breed restrictions. Paying a little more but its worth it.

That would rock. I like USAA. They are quick and easy to work with in any situation.

We could have purchased a policy from another company and kept our auto insurance with progressive, but I felt that the discrimination of dog breeds is another form of prejudice I don't want to support.

by the breed instead of the dog. I have to agree that pit bulls are often just little teddy bears. I often worry about the numbers of pit bulls in shelters who would make excellent pets, but people are afraid to have them because their insurance companies are discriminating.

Thanks for the heads up on USAA.

to this little flyspeck remote town in the MidWest, I was lucky that I got insurance at all with my chows. They've been on a growing number of companies' hit lists. That's not the reason I got the two dogs I have now, small ones, but believe me - unless the chows had perceived a threat to me, these two small dogs would be the liklier pair to bite. The JRT is just as fearless as a chow, and I think perhaps as protective. I don't think she'd really make breed standard, either, because she's a bit overgrown. During the recent firecracker season, her first, she literally roared and charged the fence every time fireworks exploded anywhere. Had to keep her inside more because she stayed in such a fury. More than a mere watchdog, she is.

It seems that it is the individual dog, and not any breed, that can tend to bite or do damage. I would think that dogs should not be a factor in insurance at all unless there is a incident that indicates a problem. Then I can see why an insurance company would want to cancel coverage----or better yet, just not cover any incident with the dog. Why people cannot get homeowner's insurance because they own a dog is beyond me.