Owning a breed of dog that's aggressive can lead to higher homeowners insurance rates.

• A. Sometimes
• B. No effect
• C. False
• D. True

Answer: (D)

When a homeowners policy is priced, insurers look at the risk of what could go wrong on or from your property. A big part of that risk is liability for dog bites or attacks. Many insurers categorize certain dog breeds as higher liability risks because bite incidents from those breeds tend to be more costly or frequent. Because the expected cost to cover a claim is higher, the insurer often adjusts the price upward, or may add restrictions or exclusions for those dogs. That makes the statement true in typical underwriting practice: owning an aggressive breed can lead to higher homeowners insurance rates. Some policies or companies may handle it differently, but the general idea is that higher risk breeds drive higher premiums or additional coverage requirements.