The problem arises when there is a claim for a dog bite and the insurance company finds out the homeowners lied on the application. At that point, the insurance company can deny coverage and will most likely cancel the policy asap. The homeowner is then left to pay for damages all on their own.
That's the thing, though. Most owners of those breeds would likely be willing to sign an exclusion from coverage for dog bites, but when they ask for this, are flatly refused. So you can get the same result by simply saying no to those questions.
That's called an Exclusion Offer, and you are correct in that most insurance companies will not offer it for certain dog breeds.
However, if the client lies about the dog breed, and then the home gets hit by hail, the insurance company can still retro-cancel the policy to the last renewal date
because they lied about the dog, and then that hail damage is not covered either.
If the insurance company does not 'redline' certain breeds upfront, they will most likely cover one (1) dog bite, and then they will cancel the policy at next renewal or, they might keep the policy if the homeowner agrees to give the offending dog away
The solution is to find an insurance company that will insure these breeds, and they are out there.
Contact an Independent Broker as to what companies are available in your area.
