These Dogs Could Cause Your Homeowners Insurance To Go Way Up

Published on October 2, 2019
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Dogs are often referred to as “man’s best friend,” and usually with good reason. However, some breeds can be a bit much to handle. These dogs may cause your homeowners insurance to skyrocket, so be on the lookout when you’re looking to add a family pet.

Chihuahua

Chihuahuas are misleading, since you may think they’re manageable due to their small size. However, they are quite tough to train as they tend to be very stubborn. They can also become a little aggressive towards children due to jealousy.

Chihuahua

Chihuahua

Alaskan Malamute

Alaskan Malamutes are innate leaders, which means that they are quite difficult to train. They have a tendency to attack smaller animals and even children sometimes in order to assert their dominance. Socializing them often with both humans and other dogs can help reduce aggression.

Alaskan Malamute

Alaskan Malamute

Rottweiler

Rottweilers are known for being very strong, as they were once bred for herding livestock and pulling wagons. They are fiercely loyal dogs, which means that they can exhibit aggression towards strangers. Strict training can help control their dominant personalities.

Rottweiler

Rottweiler

Bullmastiff

The Bullmastiff is quite the large dog breed, which wouldn’t in itself be an issue but it can also be quite an aggressive dog. Since these large dogs don’t know that they’re big, they can accidentally knock over kids without even realizing.

Bullmastiff

Bullmastiff

Saint Bernard

Saint Bernard dogs are gentle giants and are good natured, playful dogs. While they are easy to train and are well behaved around kids, the issue that can arise is hurting kids by accident just due to their playfulness.

Saint Bernard

Saint Bernard

Weimaraner

Weimaraner dogs are known for being hunting dogs due to their extremely high levels of energy. This means that they can become aggressive towards smaller animals and even kids, even without any bad intentions.

Weimaraner

Weimaraner

Australian Shepherd

Australian Shepard dogs are energetic and courageous, which explains why so many are used as rescue and watchdogs. Due to their high levels of energy, they must be walked on a regular basis, otherwise they can become quite aggressive.

Australian Shepherd

Australian Shepherd

Siberian Husky

Siberian Huskies are quite energetic and demand a lot of attention. Keeping up with this breed’s needs can get quite taxing. Additionally, these dogs are very jealous, which leads towards aggression, especially with young kids.

Siberian Husky

Siberian Husky

Affenpinscher

Affenpinscher dogs tend to be quite mischievous due to their playful nature. However, they are also very inquisitive and can become very stubborn as well. They can become very rough when playing with young children and unexpected aggression can lead to trouble.

Affenpinscher

Affenpinscher

Chow Chow

Chow Chow dogs are fluffy and cuddly, but don’t let that fool you. They may not be the choice for families with young kids, as they tend to become clingy and jealous around their owners, which could lead to problematic behavior around children.

Chow Chow

Chow Chow

 Afghan Hound

Afghan Hounds were originally meant for hunting and guarding, so they require quite a bit of discipline training. Without any, they have a tendency to become destructive and very disobedient. They can misunderstand young kids trying to play with them as aggression.

 Afghan Hound

Afghan Hound

English Toy Spaniel

Despite their small stature, English Toy Spaniels feel the need to be in charge as they can feel very dominant. This leads to aggression while around other dogs, kids, and even adult humans.

English Toy Spaniel

English Toy Spaniel

Greyhound

Greyhound dogs are known for being race dogs due to their speed and agility. They also have endless energy, which means that they need plenty of exercise. However, they do not enjoy rough play or cuddling, so they may not be the best choice around small kids.

Greyhound

Greyhound

French Bulldog

French Bulldogs are playful dogs but they still are not the best choice for families with little kids. They are a demanding breed and require a bit of training. Without it, they have a tendency to become aggressive. In order to keep them well behaved, they need a firm authoritative owner.

French Bulldog

French Bulldog

Japanese Chin

These little dogs are quite cute and make great companion dogs. However, they can become clingy and may demand a lot of attention from their owners. They can also become quite jealous if their owners are paying attention to other people or dogs.

Japanese Chin

Japanese Chin

Shih Tzu

Shih Tzus are beautiful dogs but are not recommended for families who have young kids. They are quite frightful dogs who scare easily, which can result in uncomfortable situations, especially with kids who are trying to play with them.

Shih Tzu

Shih Tzu

Pekingese

Pekingese dogs may be small and cute, but don’t let them fool you. They will not tolerate being treated like a toy and don’t enjoy cuddling, something that children may have difficulty in understanding. With discipline training, they can learn to behave.

Pekingese

Pekingese

Dalmatian

Dalmatian dogs rose to prominence after the film 101 Dalmatians and with good reason, as they are quite beautiful. However, these dogs can be quite temperamental, and need a lot of time invested in them in order to meet its needs. Otherwise, they can have some behavioral problems.

Dalmatian

Dalmatian

Cane Corso

The Cane Corso Mastiff breed originally comes from Italy. Originally bred for sports, hunting, and battle, these dogs can become quite tough. They are an excellent choice for guard dogs but are maybe not the best choice for pets.

Cane Corso

Cane Corso

Beagle

Beagles are adorable, especially when they are puppies, which is why so many families love to adopt them. They are quite self-assured and confident dogs, which means that they are not afraid to become aggressive towards dogs that are bigger than them. They have a tendency to chew everything in sight unless they are trained well.

Beagle

Beagle

Neapolitan Mastiff

Even though these dogs are massive, they are also very gentle. They love showing affection towards their owners, but they don’t know their own strength. This makes them a little dangerous to have around kids and can accidentally knock them over.

Neapolitan Mastiff

Neapolitan Mastiff

German Shepherd

German Shepherds are smart, obedient, and easily trained dogs. They do have a tendency to become quite aggressive and problematic to be around children. They are also very strong dogs with sharp teeth.

German Shepherd

German Shepherd

Great Dane

Great Danes are named so because they are massive! They are some of the biggest dogs in the world. Great Danes need to be trained from an early age in order to subdue their aggression, which is innate.

Great Dane

Great Dane

Wolfdog

These stunning dogs are aptly named, as they are half wolf, half dog. Therefore, it makes sense that they have wild instincts that are hard to predict. Therefore, they are probably not the ideal pets to have especially if you have young kids.

Wolfdog

Wolfdog

Staffordshire Terrier

Staffordshire Terrier dogs are very strong and have a tendency to become a bit aggressive. In order to prevent bad behavior they need to be trained properly. They tend to be gentle with humans, but can become a bit aggressive around other dogs.

Staffordshire Terrier

Staffordshire Terrier

Presa Canario

Presa Canario dogs don’t have a great reputation for being a good fit for pets. They were originally bred on farms to be sheep herders due to their size. Since they are so large, they’re able to take down humans.

Presa Canario

Presa Canario

Miniature Pinscher

Even though these dogs are teeny tiny, their temperament is larger than life. They are very possessive with their toys and their food and will fight anyone who comes in their way. They are also very dominant despite their size.

Miniature Pinscher

Miniature Pinscher

Japanese Tosa Mastiff

Japanese Tosa Mastiff dogs are actually banned in several countries since they were often bred for fighting. They can be described as aggressive and fearless, even around their owners. These are probably not the best dogs to have around children.

Japanese Tosa Mastiff

Japanese Tosa Mastiff

Dogo Argentino

These Argentinian dogs are very tough and have actually been banned from several countries due to their aggressive tendencies. They can be trained, but since they can be defiant, sometimes even training is not enough.

Dogo Argentino

Dogo Argentino

Rhodesian Ridgeback

Rhodesian Ridgebacks have been used for tracking lions in the south of Africa, which can give you an indication of how tough these dogs can be. They can jump fences and even attack if they feel like they’re being threatened.

Rhodesian Ridgeback

Rhodesian Ridgeback

Maltese Poodle

Maltese Poodles are small and cuddly, but they are not the right breed for your family if you have kids. Sometimes kids can be too rough with them without meaning to and accidentally injure the dog.

Maltese Poodle

Maltese Poodle

Border Collie

Border Collie dogs are one of the smartest dog breeds out there. They do especially well in competitions because they’re so agile and are very capable of learning. Therefore, sometimes Border Collies don’t have any patience for children.

Border Collie

Border Collie

Akita

Akita dogs are large and in charge. They have powerful and capable bodies and quite the unique temperament which calls for lots of extra attention. This is because they were traditionally bred to be solitary working dogs. Sometimes Akita dogs become uncomfortable around many people.

Akita

Akita

Jack Russell Terrier

While Jack Russell Terrier dogs are fun-sized, they are not your typical cuddly dogs. They have lots and lots of energy while also being short tempered. This translates to aggressiveness, which can sometimes not bode well for being around children.

Jack Russell Terrier

Jack Russell Terrier

Shar-Pei

Shar Pei dogs are quite large but they have a different kind of temperament than you might expect. They are independent and reserved and like to have their own space. However, children may misconstrue the fact that they’re wrinkly as being cuddly, but these dogs don’t enjoy that much.

Shar-Pei

Shar-Pei

Doberman Pinscher

Doberman Pinschers are powerful and can get pretty sizable, which is why they are often used as guard dogs. Highly intelligent, these dogs get aggressive at times because they tend to be overprotective towards their owners.

Doberman Pinscher

Doberman Pinscher

American Bandogge Mastiff

The American Bandogge Mastiff is a strong and tough dog creed. A mix between an American Pit Bull Terrior and a Neapolitan Mastiff ensures that this dog is quite strong. Due to their muscular builds, they can become fearsome if they become aggressive.

American Bandogge Mastiff

American Bandogge Mastiff

Yorkshire Terrier

Yorkshire Terriers are small a fluffy little dogs, which may lead to people thinking they’re good pets for kids. However, since they are quite fragile, kids may accidentally harm them if they play a bit too rough with the small dogs.

Yorkshire Terrier

Yorkshire Terrier

American Pit Bull Terrier

American Pit Bull Terriers were once bred to be fighting dogs, so they have a natural aggressive instinct. When biting, these dogs tend to aim for throats, which can be quite dangerous. They are stubbornly dominant, which may cause issues around small children.

American Pitbull Terrier

American Pit Bull Terrier

Daschund

Although Daschunds are very small, and are even jokingly referred to as sausage dogs due to their shape, these dogs have the ability to become quite possessive and therefore aggressive. They like to be leaders of the pack, which means they need to be disciplined well.

Daschund

Daschund

Standard Schnauzer

The Standard Schnauzer can get quite aggressive, and around other dogs in particular. They should be trained from a young age in order to make them more easily managed. These dogs tend to want to be dominant, which leads to problems.

Standard Schnauzer

Standard Schnauzer

Cocker Spaniel

Cocker Spaniels are beautiful and majestic dogs that have one major drawback. They have a trait called “rage syndrome,” which means that they have a tendency to lash out and potentially become violent for no reason. This unpredictability means they shouldn’t be around kids without supervision.

Cocker Spaniel

Cocker Spaniel

Wire Fox Terrier

Wire Fox Terriers are championship winning dogs, but that doesn’t guarantee that they will be easy to have as pets. They are very independent and do not like to be bothered, which means they don’t play well with other dogs or children.

Wire Fox Terrier

Wire Fox Terrier

Newfoundland

While Newfoundland dogs are gentle giants, sometimes they’re unaware of their sheer size and can be accidentally harmful around children. They get so large that perhaps even some adults may find them hard to handle.

Newfoundland

Newfoundland

Irish Wolfhound

Originally bred to be hunting dogs and hunt wolves, Irish Wolfhounds are naturally aggressive and have an innate drive for hunting. They are tallest of all dog breeds. These factors combined mean they’re not the best to have around kids.

Irish Wolfhound

Irish Wolfhound

Spanish Water Dog

Spanish Water Dogs are full of energy, which means they need lots of exercise every single day. They also need to be trained, otherwise they become quite a handful to manage. Without exercise and training, these dogs can become very aggressive when frustrated.

Spanish Water Dog

Spanish Water Dog

English Foxhound

The English Foxhound is known to be one of the most difficult dogs because they are naturally very active. Since they were bred for hunting, they prefer open fields to run around in. Without expelling their energy, they can become aggressive.

English Foxhound

English Foxhound

Harriers

Harriers look a bit like very large Beagles, but they are not as gentle as their small counterparts. They are very active and curious dogs, which means that without proper exercise, they can become aggressive towards other animals and also kids.

Harriers

Harriers

Cesky Terrier

The Cesky Terrier is a cross between a Sealyham Terrier and a Scottish Terrier. The result is a dog that is active and demanding of lots of attention. Therefore, these dogs can become possessive and jealous of children of their owners in particular.

Cesky Terrier

Cesky Terrier

Finnish Spitz

The Finnish Spitz is a gorgeous fox-like breed that tends to be very shy and can get quite suspicious of new people or animals around them. If they feel threatened, they are quick to attack. These dogs also deal with separation anxiety.

Finnish Spitz

Finnish Spitz

Skye Terrier

The Skye Terrier requires a whole lot of maintenance and rigorous training. Otherwise, their aggressive tendencies can come out, especially when around other animals. They also tend to become a bit snappy and lose patience quickly.

Skye Terrier

Skye Terrier

Pharaoh Hound

The Pharaoh Hound is known as being quite the athletic dog with amazing jumping capabilities. However, that means that high fences are required to keep these dogs in your territory! They also have a natural instinct for hunting and chasing, which isn’t ideal for families with kids.

Pharaoh Hound

Pharaoh Hound

Bull Terrier

Bull Terriers are naturally muscular and strong, which is why they were bred to be fighter dogs. This is why they may not be the ideal choice for families looking for a family pet.

Bull Terrier

Bull Terrier

Bully Gull Terrier

Bully Gull Terrier dogs are also known as Pakistani Bulldogs, and are known for having very aggressive tendencies. Consistent training and monitoring can help control their behavior, otherwise they can get a bit dangerous to be around.

Bully Gull Terrier

Bully Gull Terrier

Caucasian Shepherd

The Caucasian Shepherd dog gets quite big. They can grow and become up to 200 pounds! Because of this, these dogs were used for protecting livestock from bears and other predators. Due to their sheer strength, they may not be the right choice for families who have kids.

Caucasian Shepherd

Caucasian Shepherd

Kangal

The Kangal is a huge hunting dog that comes from the Mastiff family. This means they are strong and can even fight wolves and bears. Though they are usually quite gentle dogs, you may want to think twice before introducing one to a small child.

Kangal

Kangal

Tosa Inu

Tosa Inu dogs were originally bred to be fighting dogs. Their weight can get up to a massive 200 pounds. In addition to that, they have an aggressive streak, which actually led them to be banned from a few countries.

Tosa Inu

Tosa Inu

Perro De Presa Canario

The Perro De Presa Canario is related to the mastiff family and was originally found in the Canary Islands. They were bred to be guard dogs for livestock to be protected from predators. These dogs must be trained and socialized, otherwise they can become aggressive.

Perro De Presa Canario

Perro De Presa Canario

Basenji

The Basenji dog was originally found in Central Africa and is known for being affectionate but also curious and very alert. They can become a bit shy and don’t do very well with strangers. They are also quite tough to train.

Basenji

Basenji

Fila Brasileiro

The Fila Brasileiro, also known as the Brazilian Mastiff, is quite a large dog with aggressive tendencies. They can become quite out of control and have even been banned in several countries due to their temperament combined with their massive size.

Fila Brasileiro

Fila Brasileiro