If you own one of the 11 "riskiest" dog breeds -- which include Rottweilers, Pit Bulls and Doberman Pinschers -- you may face some big homeowners or renters insurance headaches, even if the only things your pup has ever taken a bite of are his Alpo and bone. These days, companies offering homeowners and renters insurance are pickier than ever about which types of dogs they’ll insure and which they won’t
Though groups like the American Kennel Club make very specific designations about breeds and breed hybrids, there continue to be new breeds and breed variants developed all the time, as well as "up and coming breeds" not officially recognized by kennel clubs and experts. (Many dogs not purchased directly from breeders are also mixed-breeds of some kind, or have less than purebred ancestry.)
No one is suggesting that people should not get a dog from a shelter or rescue if that’s what they want to do. Many breed clubs were among the first dog rescue groups in the U.S. Breeders love dogs and believe in rescue. But people should also have the option to purchase a purebred dog from a dedicated breeder without harassment or guilt. And breeders should be able to breed their dogs without punitive laws.
Dogs can either serve as watchdogs or guard dogs or both. A watchdog s job is to bark and raise the alarm when a stranger enters your property. Their job is to warn you. Many small dog breeds make great watch dogs. Whereas a guard dog s job is to look intimidating and protect his family by keeping intruders out. Some breeds are great guard dogs but not great watchdogs. And vice versa. And a few breeds are both great guard dogs and great watchdogs.
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