Why These Dog Breeds are Blacklisted by Insurance Companies

Chow Chows are blacklisted because of their territorial instincts and their role in reported bite incidents. Their strong jaws and quick defensive reactions can pose risks, especially in homes without experienced handlers.

Negative press and low tolerance for perceived threats have cemented their reputation as risky. Insurers frequently exclude them from coverage or require conditions such as secure fencing, obedience training, and higher liability limits before approving a policy for households with this breed.