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.)
Today some of these jobs are performed in other ways and dogs don’t do the work they used to do. Hunting is a sport today and most of us don’t have to hunt with dogs to put food on the table. English Cocker Spaniels and Irish Setters are more popular as family pets than as hunting dogs. Dogs aren’t commonly used to kill rats today and it’s been a long time since the adorable Yorkshire Terrier, originally bred to kill vermin in textile mills, was used for this kind of work. Dogs still have some specialized uses for search and rescue, narcotics detection and other kinds of detection, along with other specialized skills such as therapy dog work, but most people don’t need to use dogs for work. Nevertheless, breeds still have their admirers. Some people love a dog’s appearance. Some people love a breed because they are from the same tiny corner of the world and they feel a kinship with the dogs of their ancestors. Some people love the temperament of a certain breed or its athletic ability. There are all kinds of reasons why people love a particular breed.
Getting a dog is not just an emotional commitment; it is also a financial one, too. But when it comes to money, not all dogs are created equal. A bit of research goes a long way in discovering which dog breed is best for your budget.
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