Actually, many homeowners insurance policies either won't cover or charge significantly higher rates to insure households with what they refer to as "high risk" breeds of dog. German Shepherds, Chow-Chow, Rottweilers, Pit Bulls and possibly others (Dobermans?) are on the list. Insurers may well require added liability coverage for owners of these breeds.

Also, many localities limit the number of dogs one can own without a special permit.

And then of course dog owners are required by law, in densely populated areas at least, to keep their dogs on leashes or in fenced yards or pens on their property, and to purchase a yearly license as proof of rabies vaccination. No biggie for us dog owners.

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