With our pack being an integral and non-negotiable part of our household, I've watched with interest over the past few years as such reports have surfaced. I shop around every year at premium renewal time, and the "dog question" is the first thing I inquire about. In fact, I'm doing it right now.
In years past, it's been pretty much the same response for the companies I've contacted that write policies in CA. Most companies don't care - as long as you have no aggression/bite history.
For those that do care, they typically ask two questions - breed, and whether any of them have been trained for protection. For those companies that care about breed, the following "undesirables" have been mentioned to me by name: Pit Bull, German Shepherd, Dobermans, Rotties, Akitas, Bulldogs, and Mastiffs.
Yesterday, I had an unexpected response - we were denied coverage from Western Mutual
. The reason: We have three "large" dogs. Didn't matter the breed. Didn't matter the history, either of our existing dogs or our past claims (perfectly clean on both counts.) Just size and quantity.
If we had two large dogs, no problem. It was even stated, that if one of our three dogs was a "lap dog", no problem.