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The sky is falling…

The Sky Is Falling Because…

Did the title catch your attention? Insurance is beginning to take the place of breed bans and the changing of “ownership” to “guardianship”. Are you already shaking your head in denial? Perhaps you are thinking to yourself that the breed ban issue isn’t all its cracked up to be, unless you are a resident of Prince George’s County, MD where you know only too well how alive and well breed bans are and how capricious they are when it comes to enforcement. Perhaps you figure that the change from “owner” to “guardian” is just semantics and has no impact on your keeping your dog in your home. What do breed bans and semantics have to do with insurance in the broader context of dog ownership?

Plenty! That’s what I said and I will say it again. Plenty! When getting dog breeds banned, one or two breeds or categories at a time proved to be slower than originally projected by those who oppose any sort of animal ownership, the next step was taken. Ban ownership. Ban ownership by selling the idea of pet guardianship. That is working, but it is still too slow to remove most dogs from our homes and city streets.

Recently insurance companies have entered the picture and now the pace is starting to quicken. Have you tried to get any sort of homeowner’s insurance recently? Want to be turned down an insurance company in a hurry? Just tell them you are a Dog Owner and when the agent asks you what breed you own pray your breed of choice isn’t on some arcane breed ban list. Some of the breeds that have made it on the insurance breed ban list include some truly surprising breeds.. Take a look at 75 of the most likely to be on a ban list.

List of 75 Banned or Restricted Dogs

  1. AIREDALE TERRIER
  2. AKBASH
  3. AKITA
  4. ALAPAHA BLUE BLOOD BULLDOG
  5. ALASKAN MALAMUTE
  6. ALSATIAN SHEPHERD
  7. AMERICAN BULLDOG
  8. AMERICAN HUSKY
  9. AMERICAN PIT BULL TERRIER
  10. AMERICAN STAFFORDSHIRE TERRIER
  11. AMERICAN WOLFDOG
  12. ANATOLIAN SHEPHERD
  13. ARIKARA DOG
  14. AUSTRALIAN CATTLE DOG
  15. AUSTRALIAN SHEPHERD
  16. BELGIAN MALINOIS
  17. BELGIAN SHEEPDOG
  18. BELGIAN TURVUREN
  19. BLUE HEELER
  20. BOERBUL
  21. BORZOI
  22. BOSTON TERRIER
  23. BOUVIER DES FLANDRES
  24. BOXER
  25. BULLDOG
  26. BULL TERRIER
  27. BULL MASTIFF
  28. CANE CORSO
  29. CATAHOULA LEOPARD DOG
  30. CAUCASIAN SHEPHERD
  31. CHINESE SHAR PEI
  32. CHOW-CHOW
  33. COLORADO DOG
  34. DOBERMAN PINSCHER
  35. DOGO DE ARGENTINO
  36. DOGUE DE BORDEAUX
  37. ENGLISH MASTIFFS
  38. ENGLISH SPRINGER SPANIEL
  39. ESKIMO DOG
  40. ESTRELA MOUNTAIN DOG
  41. FILA BRASILIERO
  42. FOX TERRIER
  43. FRENCH BULLDOG
  44. GERMAN SHEPHERD DOG
  45. GOLDEN RETRIEVER
  46. GREENLAND HUSKY
  47. GREAT DANE
  48. GREAT PYRANEES
  49. ITALIAN MASTIFF
  50. KANGAL DOG
  51. KEESHOND
  52. KOMONDOR
  53. KOTEZEBUE HUSKY
  54. KUVAZ
  55. LABRADOR RETRIEVER
  56. LEONBERGER
  57. MASTIFF
  58. NEOPOLITAN MASTIFF
  59. NEWFOUNDLAND
  60. OTTERHOUND
  61. PRESA DE CANARIO
  62. PRESA DE MALLORQUIN
  63. PUG
  64. ROTTWEILER
  65. SAARLOOS WOLFHOND
  66. SAINT BERNARD
  67. SAMOYED
  68. SCOTTISH DEERHOUND
  69. SIBERIAN HUSKY
  70. SPANISH MASTIFF
  71. STAFFORDSHIRE BULL TERRIER
  72. TIMBER SHEPHERD
  73. TOSA INU
  74. TUNDRA SHEPHERD
  75. WOLF SPITZ

Pick up the phone and start shopping around for insurance in your very own state. Earlier this year one of Team Applewoods did a telephone survey of homeowner’s insurance companies looking for a company that acknowledged the benefits of ownership of a well-trained dog or at the very least one that had passed the American Kennel Club Canine Good Citizen test.

Not a single company could be found that acknowledged the AKC CGC as a positive selection criteria and that included the very company to sponsor the Canine Good Citizen test; to wit: The Hartford. Here’s the link, http://www.akc.org/events/cgc/program.cfm, check it out for yourself.

At the rate things are going owners will be hiding their dogs and only coming outside late at night or in the darkest hours before dawn. They will slip into the dark alley to meet up with their trainer and conduct all training business in whispered tones. No training will commence until the spotters are in place so that a warning can be sounded before the authorities arrive to cart humans off to jail and dogs off to the waiting death needle.

The inability to find an insurance carrier is just one more nail in the coffin of dog ownership. How many nails are there? There is the breed ban. There is the ban against dogs in public places. There is the shift from the protection of ownership to the dangerous status of guardian. There is the steady loss of homeowners, business and property insurance for dog trainers.

I fear one day soon there will be no more dogs in our cities, town, and homes and then no need for dog trainers. Wake up! Wake up! Yes, Chicken Little – The sky IS falling. It is falling down on the heads of dog owners and dog trainers alike. It is falling on every owner of every dog in this country. We can begin to change this disturbing trend, but we can only do it if we stop denying there is as problem and find effective ways to work together.

Margot Woods, Master Trainer or Vintage Old-timer