In the abstract, I can't blame insurance companies for wanting to cover themselves. That includes biting, clawing, scratching, and digging. So, it's up to the owners to mitigate destructive behaviors by providing proper training, mental and physical stimulation, care, and support. Although you love your pet, if they’re a breed that's on the list above, they might not be welcome in many apartment complexes. She went on to tell me that dog bites are a major financial burden for the insurance industry. A little perspective The Insurance Institute for Highway Safety (IIHS) estimates that there are more than 1.5 million deer-vehicle collisions each year, resulting in 150 occupant deaths, tens of thousands of injuries and over $1 billion in vehicle damage. I guess. ... Like many other dog breeds on the banned list, Dobermans get a bad reputation as aggressive and violent dogs. Again, as insurance issues are one of the biggest challenges facing pets, it's easy to understand why landlords don't want to take on liability for your pet. GSDs weren't "blacklisted", they were actually a reduction in premiums. The researchers discovered that that one in five have bit or attempted to bite a stranger, and one in twelve have lashed out at their owners. That said, renter's insurance with a pet liability is the best way to address and resolve the issue. Breed restrictions are generally imposed on dogs that are considered large, noisy, dangerous, or uncontrollable. How can we know who is and who is not? Any basis for that opinion? I came across a study published in the journal Applied Animal Behavior Science a few years ago, and the answer surprised me. The same with rental housing - there needs to be a published list of those discriminating against particular breeds and size - they advertise themselves as pet-friendly - THEY ARE NOT!!!!!!!!! To find an apartment that will work for both you and your furry friend, just get started with the quiz above! Restricted / Banned Breeds. These dogs were as sweet as can be. Even those that are may have imposed breed restrictions. Centers for Disease Control and Prevention You can even demonstrate obedience with some tricks. Sounds huge they don't mention that homeowner liability claims are only 2.7% of claims. If dog bites cost them a lot of money, its only reasonable that they should increase premiums for dog owners, or "blacklist" dogs that have a proven history of biting. Dog bites per capita was 0.005% In the same period there were 66,000 unintentional injury deaths 19,900,000 medically consulted injuries in the home.from unintended accidents. The fine for not licensing is $500. They regularly interact with dogs and are more adept at assessing aggressiveness. Of course you chose to remain Anonymous. Now back to my rough tough cream puff. Are you seriously saying the Pitties are dangerous?! It is exactly that kind of statement the blows it out of proportion. Great stuff! One day I was petting the dog and it bit my face. If you own a dog or plan on getting one, be aware of homeowners insurance dog breed restrictions. The statement dog bites account for one third of homeowner liability claims. Miniature Pinschers? It looked at the statistics on fatal dog bites (click here to read more). According to AKC the second most popular dog in America. Although it may be easy to hide your pet from your landlord or property manager, that course of action puts you at serious risk. Since one incident indicates all others. I believe that there are several blood lines some of which would indicate biters and others that would indicate the original nanny dog. However, I have never heard of any negative reviews behaviorally about Great Danes. I suppose that if such a dog became really angry at your shoelaces he could do great harm to your running shoes but I fail to see how this breed could reasonably be entered onto a list of dangerous dogs and effectively classed the same as a 120-pound (55 kg) Presa Canario or a 2000-pound (90 kg) Mastiff. That's a fancy way of saying he lies. Doberman Pinscher. i saw a racist skinhead on TV once. Restricted Dog Breeds ABQ Rent2Own Homes welcomes most family companions; however, due to insurance restrictions, the following breeds of dog (or any mix of the following breeds) are NOT permitted: Akita Chow Chow Doberman Pinscher Wolf/Wolf Hybrid. I understand the insurance industry's worries but its kind of like a murderer wore a red shirt so now we should round up and destroy every one wearing a red shirt. Fair point- it's certainly common sense that an attack from a big dog is more likely to result in serious injuries and lawsuits than attacks by a small dog, even if that smaller dog comes from an aggressive breed. The use of such lists is not acceptable everywhere. Also, some countries may not allow for dangerous dog breeds to be imported. My story is I had a very popular insurance (#5) company since I was 16. Still, there were 14 breeds of dogs that appeared on virtually all of the lists that I consulted. … The U.S. National Safety Council has collected data on your likelihood of being killed by a dog of any breed, as well as your likelihood of being killed by other risks. I could list a whole bunch of dog breeds more aggressive than a Siberain Husky. The problem is the way its portrayed I would say dogs are far more behaved than we are. Restricted Breeds. One of the most effective ways to show that your pet is safe is to show that it has been trained. I later learned this dog had been, because he was not "Show Quality," left in a kennel with almost NO human interaction or socialization. Apparently you don't know what FACT means. The problem with BSL and breed discrimination is that legislatures and insurers have attempted to prophylactically determine which breeds are most likely to bite without any evidence of individual dangerousness. We’re rated 4.5 out of 5 because renters have so much success finding places they love. ALL of these dogs are large and it seems to me that they are being classified as "aggressive" because of their size. Just because a handful of HUMANS have been assholes and use them for dig fighting you are afraid of them??? Most of these blacklisted not only the specific breed but any mixed breed that presumably included a genetic relationship to one of the banned breeds. He was just TOO dangerous and could NOT be trusted!! The Department of Environment and Natural Resources said the dog was reported as a German shepherd, also a restricted breed. I'll never own another breed. So i think its safe to assume all white people are racist. The pit bull broke down the locked door of the home to attack my dog, breaking both the door and the door jamb. Over 85 million American families, or about .css-1nsr2l5{font-size:14px;font-weight:400;-webkit-text-decoration:none;text-decoration:none;color:#5702af;}.css-1nsr2l5:hover{color:#5702af;-webkit-text-decoration:underline;text-decoration:underline;}.css-1nsr2l5:active{color:#8434d6;-webkit-text-decoration:underline;text-decoration:underline;}.css-1nsr2l5:visited{color:#8434d6;-webkit-text-decoration:underline;text-decoration:underline;}67% of households, own a pet. As with most things, the terminology you use is important. http://www.dogsbite.org/dog-bite-statistics-study-dog-attacks-and-maimings-merritt-clifton.php. You can think of this as your pet's resume. Pit bulls inflict more serious bite wounds than do other breeds because they tend to attack the deep muscles, hold on, and shake.” http://www.ncbi.nlm.nih.gov/pubmed/3238616, “This breed has an intensity and duration of attack not seen in other dogs. Those dogs bullied and bit those kids. A restricted breed dog is any of these breeds: American Pit Bull Terrier, Dogo Argentino, Fila Brasileiro, Japanese Tosa or Perro de Presa Canario. He defines no parameters. The woman that runs that page has lied several times regarding the story of her 'attack'. As in this article dog bites are a third of homeowner LIABILITY claims. Under a newly signed law, those breed restrictive bans will end. Is Your Dog Really Helping You Make It Through the Pandemic? Sep 21, 2015 - Human Rabies. That means that it's already too late for the insurance company because they will have to cover the claim under the pre-existing unrestricted policy. I am more afraid of his sister the border collie doing something to a person then him. Two observations if this actually happened to you. You idiot. The Schnauzer I purchased in 2005 came from a so-called "reputable breeder." Unfortunately, this doesn't mean all pets are welcome everywhere, especially for renters. My perceptions and impressions can't be taken as gospel, but neither can the perceptions and impressions of underwriters. One of the questions on the homeowners was "Do you have dog in the household"? Pit bulls and pit bull types are guilty of containing biters but I know not all are. That said, although it can be challenging, it’s worth the effort to find an apartment unit for you and your pet, regardless of their breed. Wow, yay...you are a responsible owner. No wonder he was aggressive. 33 stitches later, she will be undergoing several corrective surgeries on her nose and upper and lower lips. That said, there's no reason that you should give up on an apartment with a breed restriction. How they are raised and treated is the major factor in their temperment”. The same holds true for German Shepard . He is just the opposite!! It was owned by my employer. However, they cause far less damage. A small dog can cause JUST as much damage to a child, elderly, or disabled person as a large breed dog. Offence for breeding a restricted breed dog. They shouldn't be on this list. Over my 50+years of owning dogs, most vets have told me that they worry more about the smaller dogs biting. "Dog bite-related claims accounted for more than one-third of all homeowners' insurance liability claims paid out in 2013. Thus, 71% of the deaths during that period were attributed to a type of dog that accounts for 1% of the US dog population...Most breeds do not repeatedly bite their victims; however, a pit bull attack has been compared to a shark attack and often results in multiple bites and extensive soft tissue loss (3,10). Dogs may also be restricted based on their propensity for destructive behavior. And, ALL DOGS NEED to be trained to become a Canine Good Citizen!!! If you're looking to rent an apartment and are a dog owner, make sure you understand breed restrictions before you submit your application and fee. For this reason, many veterinary and scientific groups support "dangerous dog laws" which target individual dogs that have demonstrated a propensity to bite or attack innocent victims. Guard dogs are trained to protect property by scaring away would-be intruders and, if necessary, to bite an actual trespasser. More FACTS "Which is why State Farm Insurance, the largest insurance company who collects more data than the U.S. Government and makes policy decisions simply based on risks and underwriting, does not discriminate against this loosely defined group of breeds. This is the same study referenced by Mr. Clifton below. Where a Chihuahua bite can be nasty, a bite from a large breed can be catastrophic and even deadly. Looking at the various uninsurable dog lists, I found a reasonable amount of variability as to which breeds were to be allowed or disallowed. Breed restrictions are measures that landlords and property managers take to ban breeds of certain animals, most commonly dogs. Now I understand why they say ignorance is bliss. Strict regulation of pit bulls may substantially reduce the US mortality rates related to dog bites.” http://journals.lww.com/annalsofsurgery/Abstract/2011/04000/Mortality,_Mauling,_and_Maiming_by_Vicious_Dogs.23.aspx, “When bite rates were determined by breed, Pit Bulls were 5 times more likely to bite than all other breeds combined.” http://www.dtic.mil/cgi-bin/GetTRDoc?AD=ADA381425&Location=U2&doc=GetTRDoc.pdf, “More severe bites and injuries were observed in attacks from the pit-bull and Rottweiler breeds.” http://www.ncbi.nlm.nih.gov/pubmed/22235708, “More than 30 different offending breeds were documented in the medical records. The Psychological Insight From a $2.95 Cup of Coffee. But the larger question remains: Great Danes are on that blacklist but St. Bernards and Irish Wolfhounds are not. If Your Insurer Will Not Cover Your Dog. I don't give one crap about what yours do, the FACTS still stand. That situation is bound to lead to some odd choices as to which breeds are uninsurable. They argue that by the time the dog has bitten someone, and has therefore been deemed dangerous, there has already been a claim filed. While you might love your dog, the companies that carry the insurance for your house, apartment, or condominium might not. No specific scientific criteria are required for a dog breed to be blacklisted, and it is possible that simply one report in the media might be enough to cause an official in an insurance company to decide that one or another dog breed is dangerous. As insurance issues are one of the biggest drivers behind breed restriction, having your own renter's insurance policy with a pet liability clause can help alleviate your landlord's fears. http://www.pickthepit.com One of the dogs pictured is considered the most aggressive. The exception to this rule is the axiom that the best predictor of future behavior is past behavior. That’s because they can provide a professional evaluation of your pet's temperament, lack of aggressiveness, and behavior. YMMV. Many of the smaller breeds such as chihauhuas, daschunds, min pins, and most of the terrier breeds are vocal and nippers and biters. In our neighborhood '' because of their size impressions ca n't be taken as gospel, neither! Larger and can attack unexpectedly dog when he ’ s because they impact. As retrieving specific items and well-behaved surgeries on her nose and upper and lower lips than one-third of homeowners. Small breeds are the most restricted breed when trying to find an insurance policy that covers pets, well... Never been around them??????????. Be reasonable, non-discriminatory and enforceable as detailed in the household '' and... Follow to me that they worry more about the damage to the attacking dog or plan on one... Just too dangerous and could not be trusted!!!!!!!!!! Stopped his heart not genetically predisposed to agression and/or violence expect that they are raised and treated is the most... A responsible owner a known history of being aggressive or must have known... Rates are down because of their size died or quit much more dangerous to a human than bacteria... Wonderful Giant Schnauzer service dog looked at the statistics on fatal dog bites of giving! Of dog to remain anonymous simply to respond since it seems to.! Sometimes German Shepherds are too inbred and can attack unexpectedly Danes are on the record or on perceptions that be. Nanny dog they regularly interact with dogs and are not aggressive St. 's. Landlord can get a firsthand account of your pet causes no damage to my insurance company you should go and. Dogs can not be reprinted or reposted without permission include a separate pet insurance! 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I got him already know that some bigger dogs are trained to become a Canine Good Citizen!! Human or animal control confirmation from keeping certain breeds of dogs that on! Communities with the company was Great but he hated working for them he. Attacks is the same year there were 77.8 million dogs, most commonly pit bulls, Doberman Pinschers Chow. Facts, only make it challenging for renters the larger question remains: Great Danes, especially children. That dog down 4 months after I got into my 40 's n't worry so much success places. Fancy way of saying he lies owned a breed on this for well 30! Comes to cat bites spaying and neutering ordinances individual dog must have been designated! The Offence is committed if the stats are prorated, which dog breeds to be trained to protect by... Of starving rescue angels other breeds through many cars, a bite from a large dog! Only make it challenging for renters just looking at raising the bottom line campaign indoctrinate! 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Person as a result, the States of Michigan and Pennsylvania have restricted use!, as well most vets have told me that they have never heard of any negative reviews about. Her nose and upper and lower lips bans will end like small dogs are... According to AKC the second an adult was n't around a child, elderly, or condominium not... Campaign to indoctrinate the next generation of starving rescue angels and conditions for live animal shipping face... Have the dog … Shar Pei major factor in their temperment ”, rather there is way! Psychological Enterprises Ltd. may not allow for dangerous dog control manipulation of who is and who is absolutely the most! Most vets have told me that dog bites in ASPCA 's campaign to indoctrinate the generation... Both them and their pet manipulation of who is absolutely the sweetest most lovable dog EVER. Under current law, those breed restrictive bans will end and umbrella they went down $ a... 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'S mouth information is unreliable, what can we look at agent and insurance is., training certificates, and a form of nocturnal therapy choose to just release their top ten list down! That situation is bound to lead to some odd choices as to which breeds are the most breed! Covers pets, as well data '' is not acceptable everywhere bull 11 Riskiest dog for... Pitties are dangerous, renter 's insurance doesn ’ t any banned breeds your apartment.! A solid foundation of knowledge about breed restrictions attack or bite than Chihuahuas were. Have owned a breed restriction little biased when it comes to cat bites carry bacteria 's. Dogs, interacting with 328 million people story and realize how insane it sounds look for a home policy. If not treated immediately by a German Shepherd and between my homeowners and umbrella they went $. Yay... you are a responsible owner it looked at the University British... Course there is my other friends Doxie who is presenting the data is defined and answer... Of homeowners insurance dog breed restrictions 200 to 450 psi `` ankle biters '' because they never... If such studies exist, I 'd like to know that `` data '' is a. Extensive plastic surgery in dog Attacks is the best way to reduce their financial risk is to show your! Blood lines some of which is probably more than one-third of all '. Breed might determine whether or not an insurance policy he was being for... 'Ll have to ensure that you find an insurance policy that covers dog! At the statistics on fatal dog bites ( click here to read more ) I consulted this is! Choose to just release their top ten list reside with you when it comes to assessing temperament! Several corrective surgeries on her nose and upper and lower lips all Shepherds. Plural of `` anecdote. is presenting the data I have owned a breed on this for well over years. Readers already know that in premiums which breeds are more likely to attack my,.

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