Homeowners insurance is meant to cover all sorts of risks, including the possibility that your dog bites somebody. But there are some breeds insurers refuse to cover or charge more to cover — and they aren’t always up front about it, according to a recent USA Today report. The publication investigated the most-banned breeds at dozens of major insurance companies. Worse, these “breed bans” may be based more on reputation and discrimination than actual risk. A 2022 study published in Science studied the DNA of more than 2,100 purebred and mixed-breed dogs and concluded less than 10% of a dog’s personality traits have something to do with its breed. In some cases, breed bans may not be an insurer’s choice. State and local laws may affect which breeds insurers cover. Following is a look at the most commonly banned dog breeds.