I have still not been able to find an insurance company in my area (North Idaho) that I can get reasonable homeowners insurance with.
This is something that I became aware of about 4 months ago. My insurance company is able to deny a claim if my house burns down because I acquired a GSD some years after I got my homeowners insurance?
I spent some time looking at different companies and many have these bans including the GSD. I tried to find out why and cannot locate any incident numbers that would include the GSD in an extraordinary amount of claims to justify this.
I tried to look outward to other countries to see a trend where GSD's are presenting a problem to justify this. I found a site named Petolog.com. They have an article titled "List of Banned Dogs by Countries". They have 28 Countries listed.
In the USA there is no Federal law to ban any breed - but the US Army has a prohibition list on "the housing of large dogs in the cantonments of the USA army housing". It lists 21 dog breeds of which the GSD is #17. It also goes on to site "Limitations in some states include - owner must be at least 21, amount of liability insurance 100k, prohibition on sale, can be given only to relatives, at private homes be sure to hand warning signs.
A search of the other 28 countries lists the GSD only in the Ukraine (restricted muzzle) and a country called Belarus (where no ownership under 18 and muzzle is required).
I believe that Ireland and Switzerland also require muzzles for GSD's, not sure.
But at any rate - why are GSD's being included in a ban by most of our insurance companies. The numbers and trends certainly don't justify it. This is not fair and not warranted.
PLEASE do not mention other breeds by name - This post is only addressing the GSD vs Insurance company regulations. This is a problem that needs to get resolved and involves only the GSD. Thanks