10 Dog Breeds In Colorado Driving Up Insurance Costs

Colorado has a reputation for being a state with a lot of dog bites. According to Badger Insurance Advisors, more than 30% of homeowner insurance liability claims are paid out as a result of dog bites.

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Keep reading to learn more about which dog breeds are seen as a liability, and thus cost homeowners more in several communities in the Centennial State.

Dog Breeds Banned in Colorado

Cities in Colorado such as Denver, Aurora, Lone Tree, and others have placed an outright ban on owning “fighting breeds” such as Pit Bulls, American Bulldogs, Canary Dogs, and Staffordshire Bull Terriers. Communities such as Commerce City, La Junta, and Louisville won't let you own them either.

Dogs With Bad Reputations

Leave it to an insurance company to ignore more than 160 episodes of The Adventures of Rin Tin Tin. This dog has a star on the Hollywood Walk of Fame, yet having a pup of the same breed will only drive up your homeowner's insurance in most places. German Shepherds have made outstanding pets for lots of families, yet insurance companies see them as a liability.

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Insurance Companies Being Insurance Companies

Pitt Bulls and Rottweilers are one thing, but charging higher premiums for more gentle breeds like Labradors and Chow Chows are just insurance companies being insurance companies. Like people, all dogs are not perfect. Some are seen as liabilities just because of their size or history as working dogs.

Keep reading to take a look at ten breeds that are known to drive up the cost of homeowner's insurance in Colorado.