Illinois and other states of the U.S. have a high number of dog lovers. However, those citizens seeking insurance may find that certain kinds of dogs carry judgment and prejudice. Major insurance companies have targeted a top-10 list of breeds that the public can love to its heart’s content, but such affection carries a hefty price tag.

While some breeds are commonly feared by a large number of the population, others may come as a surprise to the average person.

German Shepherds and Rottweilers are known for strength in police matters. Both breeds turn up on restricted lists. Here in Illinois, a little girl was attacked by a German shepherd and suffered bites all over her body. Rottweilers reportedly attacked a high school student who required facial reconstructive surgery.

The Alaskan malamute, used widely in arctic regions and raised to pull sleds, have recently become popular pets in many homes. They are bright and strong-willed, but exhibit tendencies to fight and must be subjected to constant behavior modification. One incident in England led police to suspect the dog was responsible for the death of an infant.

Chow chows are noted for family loyalty and an instinct to protect their own, thereby running a risk of attacking outsiders. One boy attacked by a chow chow was wounded so severely, he needed staples and stitches.

Dobermans have been popular pets for more than 30 years, and while they are labeled obedient and loyal by experts, they have been known to attack children.

The dogs mentioned above may be banned by insurers, but pit bulls are notoriously the breed often demonized in the news. The pit bull variety can include both Staffordshire and American bull terrier breeds. Humane Society representatives claim the breed is unjustly depicted.

Love your dog, love your insurance premiums. While pets are beloved members of the family, loyalty is frequently put to the test when they become overly-protective around outsiders. If you live in the state of Illinois, it is in your best interest to investigate which breeds are banned or limited by your insurance company. If someone suffers a dog attack on your property, you could end up paying high medical bills for a very long time.

Source: Bankrate, “10 dogs most often blacklisted by insurers” Heather Larsen, May. 18, 2014