In any event, one school of thought, as noted in the article The Lies, Damn Lies and Statistics Behind Dog Bites holds that the statistical data for dog bites by breed is not reliable.
From the same article, the writer notes:
If we applied this logic elsewhere, the argument would sound something like this (bold emphasis added):So major insurance companies like State Farm—whose profitability hinges on compiling accurate statistics in order to assess the risks related to things such as fatal dog attacks and dog bites in general—do not discriminate against the Pit Bull breed (or any other) based on their own extensive data.“Domestic, U.S. made vehicles are unsafe for the public and should be banned because there are more Dodge, Jeep, Ford, Chevy, and Lincoln crashes each year in the U.S. than Honda crashes.”—Said by nobody, ever.
Which is why State Farm Insurance, the largest insurance company who collects more data than the U.S. Government and makes policy decisions simply based on risks and underwriting, does not discriminate against this loosely defined group of breeds.
“Decisions are made on a case by case basis for those instances,” State Farm spokeswoman Heather Paul told HuffPost. “Pit bulls in particular are often misidentified when a bite incident occurs, so reliable bite statistics related to the dogs’ breed are unreliable and serve no purpose.”
Thus, forming one's impression of Pit Bulls as a "deadly breed" perhaps shouldn't be based on selective (and often inaccurate) anecdotal evidence from the Fake News Media—who have a much different agenda than the insurance companies.
The fact that insurance companies like State Farm—industry leaders whose business model depends on being well-informed regarding risk—don't set their rates based on a dog's breed speaks volumes...
” The fact that insurance companies like State Farm—industry leaders whose business model depends on being well-informed regarding risk—don’t set their rates based on a dog’s breed speaks volumes...”
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Yes, but it does not say what you say it says.
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Insuring pit bulls, State Farm pays out double the norm for dog attacks
April 8, 2018 by Merritt Clifton
Policies on other breeds subsidize pit bull owners
BLOOMINGTON, Illinois––State Farm, both the leading U.S. property-and-casualty insurance company and among the few that cover pit bulls, paid out a record $132 million in 2017 to settle dog attack claims.
State Farm released this information in a prepared statement recognizing Dog Bite Prevention Week 2018, April 8-14.
The State Farm payout appears to have been nearly twice as much as if State Farm used breed-specific actuarial data on dog attack injuries to exclude covering pit bulls and Rottweilers.
“Premiums paid to State Farm by owners of other breeds accordingly subsidize owners of the most dangerous breeds.”
(Excerpted. There is much more.)
I reiterate:
“Premiums paid to State Farm by owners of other breeds accordingly subsidize owners of the most dangerous breeds.”
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You are correct in that State Farm will insure pit bulls and the liability thereof on homeowner’s insurance. Aside from an insurance company named something like “Dangerous Dog Insurance”, they are the ONLY large and well-known insurance company that will. Most others specifically exclude pit bulls and a couple of other breeds, and keeping these breeds can potentially void your insurance.
State Farm insures every breed of dog, but the non-dangerous-dog customers are subsidizing the rates for dangerous dog owners.
Interesting.