Home insurers exclude certain dog breeds 

As stated in a recent article published in USA Today, there are certain breeds of animals that insurance companies either  

do not cover or demand a higher premium to cover, and they are not always transparent about this fact. 

A number of large insurance firms were studied by the journal to see which breeds were prohibited the most.  

Even more concerning is the possibility that these "breed bans" are founded more on discrimination and reputation than on genuine risk. 

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The DNA of more than 2,100 purebred and mixed-breed dogs was analyzed in a study that was published in Science in 2022. 

The researchers came to the conclusion that fewer than 10% of a dog's psychological traits are related to its breed. 

There are situations in which breed bans could not be an option for an insurer. 

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