In this day in age, a lot of home insurance will not cover you if you own a Pit Bull, Rottweiler, or German Shepard. They do this because the probability of getting bit by one of these breeds is much higher due to their aggressive nature. Biewer & Yorkshire Terriers are one of the best breeds to have, especially for families that want a dog who will alert them to strangers & scare off trespassers without having to worry about getting sued by what an aggressive nature of an actual guard dog breed can do.