You have a nice house and want to get a dog. You know some breeds will raise your homeowner’s insurance rates but which ones? This article will clear up the confusion.
Bull Mastiffs and St. Bernard’s. Despite not being known for aggression, the sheer size of these animals will raise flags and send your rates up. Big dogs cause damage.

Pit Bulls. This breed, right or wrong, had been branded as mean and hard on a house. They are known for chewing, slobbering, and fighting, three thinBest Watch Dog Breedsgs that will always send your insurance rates through the roof.

Rottweiler’s. Even though they have a reputation as being good watch dogs, Rottweiler’s are a breed that will raise your homeowner’s insurance rates. Their size and amount of hair imply high clean up and maintenance bills that will bleed over onto your policy.

German Shepherds and Labrador Retrievers. These dogs are known for having very high levels of activity. When they get bored or are penned in, they cause damage. They will chew and slobber and bark until you give them what they want and they are also good sized animals. They make great pets but they are sure to raise your homeowner’s insurance rates.


Great Danes. These dogs are clumsy, large, and need lots of room. If you have one in a house, it will likely cause damage without meaning to. They get bored very easily and do not know their own strength. Tails like whips can do a lot of damage to unsuspecting furniture, knickknacks, and other insured items.

Wolf hybrids, Huskies. These animals are known for being aggressive, which means your rates will go up to cover possible future legal issues. When these dogs draw blood, they often do not stop until the person or thing they have cornered is dead. It is a hunting instinct. They are not domestic animals, only domesticated to suit human purposes. These dogs should be in the wild, performing services like pulling dogsleds, not cooped up in someone’s house.

Here is a list of watch dogs breeds

  • Rottweiler

  • Doberman Pinscher

  • German Shepherd Dog

  • Belgian Malinois

  • Cairn Terrier
  • Bullmastiff

  • Akita

  • Cane Corso

  • Schipperke

  •  Miniature Pinscher

There are many breeds which may raise your homeowner’s insurance rates. You’ll have to compare the cost to how much you want to have that new pet and decide if it’s worth it for you personally.

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