Dogs are one of the most common pets, and they can also be the riskiest. According to the Centers for Disease Control and Prevention, more than 4.5 million people suffer dog bites each year.

Many homeowners insurance policies cover dog bites and other incidents. Your policy's liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property.

The breed of dog can be a factor when it comes to determining your homeowners insurance premium. Many insurers won't cover muscular canines that can inflict severe harm from a single bite, like Doberman pinschers or even chowchows. When it comes to predicting which dogs are most likely to be aggressive, many preconceptions aren't necessarily true.

A liability claim can come from any breed. Your insurer could have statistics that may inform its decisions about your home insurance.