German Shepherd dogs are known for being athletic, easy to train, direct and fearless. If you're looking for a dog that can be both a family companion and a reliable deterrent to trespassers, a German Shepherd might be a great choice. There is one factor to keep in mind before you run out and buy a puppy -- many homeowner's insurance companies do not look favorably upon this breed.

German Shepherds and Injury Risk

According to the Centers for Disease Control, about 4.5 million people are bitten by dogs each year in the United States, and one fifth of these dog bite victims require medical attention. German Shepherds are known for being one of the most aggressive breeds, and are responsible for about 44% of all reported bites. For this reason, insurance companies see German Shepherd owners as a risky prospect. Insurance companies know that they are more likely to have to pay out a settlement for an injury in a home with a German Shepherd than in a home with a smaller, less aggressive breed.

Because German Shepherds are responsible for such as large percentage of dog bites, some insurance companies refuse to insure homeowners that have this breed. Other companies will insure homes with German Shepherds, but exclude expenses related to dog bites from their list of coverages. Still other companies will insure homeowners with German Shepherds, but only under special umbrella policies paid for in addition to regular coverage.

Any dog can bite when provoked, and there are many German Shepherds who are very well-mannered and would never hurt a fly. Unfortunately for you, insurance companies base their policies on numbers, not individual dogs' temperaments. If you're set on this breed, there are ways to make it work, but know that finding affordable insurance may be tough.

Finding a Company That Will Insure You

If you're thinking of buying a German Shepherd, it's best to learn more and shop around for insurance before you bring home a puppy. This way, you'll get a better idea of the cost of insurance and whether you can afford it. The most efficient way to find homeowner's insurance that will cover your dog is to call any and all companies that offer coverage in your area. Don't simply search online -- talking to a person will allow you to ask specific questions, such as:

• Will my rates increase in the event that a dog bite does occur?
• Would my coverage extend to dog bites of visitors, or just family members?
• If traditional homeowner's insurance does not cover a German Shepherd, can I purchase an additional umbrella policy that includes this coverage?

When making your calls, make detailed notes of each conversation you have with an insurance representative. Get quotes while you're on the phone, so you can compare insurance options and hopefully choose one that works for you.

Tips to Avoid Bites and Injuries

In the case that you are able to find a homeowner's insurance company that will cover you with a German Shepherd, whether under a regular or additional umbrella policy, it's important that you do all that you can to avoid bites. If your dog does bite someone and you have to file an insurance claim, it's likely that your rates will skyrocket. Some tips for avoiding bites include:

• Take your dog to obedience classes while he or she is young, and train it not to come to you when called.
• Never leave children alone with a dog.
• Fence in your yard, so that strangers do not come into contact with your dog.
• Always keep your dog on a leash when walking in public places.

German Shepherds are exceedingly loyal, and they tend to bond closely to their owners and families. Unfortunately, this loyalty sometimes causes their protective instincts to kick in, leading to bites. Don't give up on your hope of having a German Shepherd if you're in love with the breed. Follow the tips above to find insurance, minimize the risk of bites, and ensure that dog ownership is a happy experience.