Why Insurance Companies Hate Rottweilers | Rottweiler HQ

Your Rottweiler could be twelve years old, arthritic, and gentler than most golden retrievers — and one insurance form dropdown still doesn't care. If you own a Rottweiler (or you're thinking about it), this is the episode that could save you a very expensive surprise. What's covered: Why dog-bite insurance claims have exploded past $1.8 billion a year The real "breed exclusion list" and which major insurers put Rottweilers on it Why Rottweilers specifically end up on almost every list What the American Veterinary Medical Association actually says about breed and bite risk How this spills over into renters insurance, apartment complexes, and HOAs The states banning breed-based insurance discrimination — and what to do if you're not in one Rottweiler HQ is your one-stop shop for everything Rottweiler — breed history, health, training, temperament, myth-busting, and the real-world stuff nobody else covers, like this one. Subscribe to join the community, drop a comment with your own insurance story or a topic you want covered next, and hit like so more owners see this before they need it. 🐾 SOURCES CITED: Business Wire / Triple-I & State Farm — $1.12B paid in dog-bite claims, 2023, 19,062 claims, $58,545 avg. https://www.businesswire.com/news/hom... Agency Checklists — $1.57B paid in 2024, 22,658 claims, $69,272 avg. https://agencychecklists.com/2025/04/... InsuranceNewsNet / Triple-I — $1.86B paid in 2025, 28,450 claims (+25% claims, +18.6% dollars YoY), $65,450 avg. https://insurancenewsnet.com/oarticle... Business Insurance (Forbes Advisor analysis) — pit bulls, Dobermans, Rottweilers banned by 100% of 42 insurers surveyed. https://www.businessinsurance.com/art... NBC Los Angeles — Farmers Group ends CA coverage for pit bull, Rottweiler, wolf hybrid bites. https://www.nbclosangeles.com/news/lo... AAA (Mountain West Group) FAQ — CSAA/AAA "Vicious Dog" policy definition names Rottweiler. https://mwg.aaa.com/frequently-asked-... AVMA, Animal Welfare Division — breed is "a poor sole predictor" of dog bites; no evidence breed bans reduce bite rate/severity. https://www.avma.org/resources-tools/... UK Parliament EFRA Committee, DogsBite.org written evidence — pit bulls 66% of 433 US fatalities 2005–2017, Rottweilers 2nd (45 deaths). https://committees.parliament.uk/writ... Best Friends Animal Society — states banning breed-based insurance discrimination (PA, MI, NV, NY, IL). https://action.bestfriends.org/effort... Great Lakes Echo — 2026 Michigan bill targeting insurer breed discrimination. https://greatlakesecho.org/2026/03/07... American Kennel Club — Canine Good Citizen (CGC) program. DISCLAIMER: This video is for general informational purposes only and is not legal, financial, or insurance advice. Policies, breed restrictions, and state laws vary and change — confirm current terms with your insurer and consult a licensed professional for advice specific to your situation. Some cited figures (e.g. breed-specific fatality data) come from advocacy organizations, not peer-reviewed public health sources.