The short answer
Common excluded or restricted breeds: pit bull-type, Rottweiler, Doberman, German Shepherd, Chow, Akita, Presa Canario, Wolf hybrid, and mixes. State Farm, USAA, and Farmers do not use breed lists in most states. Allstate, Nationwide, and Progressive do. A single bite of any breed usually triggers exclusion at renewal.
Frequently asked
- Does umbrella cover the excluded breed?
- Umbrella follows the underlying policy — if home excludes the dog, umbrella does too. Standalone dog-bite liability policies exist ($400–$1,200/year).
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