If the insurance premium is charged based on measurable risks, I would agree. That means, for example, measuring the history of the owner and their risk factors, not just the breed.
Insurance companies do take individual and owner into account but a corvette is going to cost you more than a Saturn period. If you already have a claim against your homeowners for a dog related liability, I doubt you could get Homeowners insurance. what would the individuals risk factor be that an insurance company could use to assess dog owners? Tattoos, gang membership, area they live in? Most things that would be discriminatory in nature. So you are left with dog size and breed history. I have two mutts myself, a 102 pound lab/bluehealer mix and a mostly ridgeback 75 pound rescue dog. They are well trained. have a kennel run inside a fenced yard and know the neighbors and neighbors dogs socially. Still, they are something we have to pay attention to whenever the gas reader, postman etc show up. we have a hyperactive 5 year old, redundancy I reckon, that will be visiting and we have already talked about the plan for introducing the ridgeback to her as he is more aggressive than the lab. I personally would not want a dog I didn’t trust but they are dogs and you can only trust them so far. If my mutt bit someone, I would be saying, Oh you provoked him. I’d just be paying the med bills and hope that was as far as it went.