After a recent experience, I think Freedumb may be pretty much on target.
I sell real estate, and have for the last 11+ yrs, in Knoxville TN and the surrounding area.
Recently I sold a house....and the closing was delayed because the buyer could not get homeowner's insurance(hazard insurance) and it was required by their mortgage company.
Logic would say that they were having trouble because of previous claims.....
Logic would be wrong!
It was because they had a Doberman!!!!
As it was explained to me by the buyer's agent and the buyer, insurance companies are now asking if you have a dog weighing over 50 pounds. If that 50+ pound dog is an attack breed or part of an attack breed, it's a good chance that you may be denied insurance coverage. An attack dog is a pit bull, Doberman, German shepherd, rottweiller, and there was another one that I can't remember.
These people tried 3 different companies, before the 4th one would allow them to purchase insurance. They had to have a special rider for the dog.
Their agent told me they were considering lying to get the insurance, in order to close as quickly as possible. ( I sell foreclosures, and the banks frown on any delay and by contract can impose a $100-150/day penalty on the buyer for any buyer-related delay). Their agent strongly discouraged that because if they had a claim, not only would it not be paid, they would most likely be cancelled and have a huge problem obtaining new insurance.
I also know there are some areas with a "3-bite" limit. My sister lives in the Akron area. Her brother's dog bit the mailman. It was the 2nd time, he was not on a lease but out on the driveway with his owner. The mailman came onto the property, the dog nipped his leg. According to the dog owner, he looked at the mailman's leg. There was no mark. When I was up there at Christmas-time, they had just received a letter from a lawyer wanting them to pay for the mailman's medical bills and compensation from 3 days off of work! They also received a letter from either the city or county animal control, that if they received one more complaint about the dog...he would be put down. The dog is a small Scottie.
I don't think there is a "bite limit" here...I do know, if the cops are called and the dog has bitten someone, the cops can kill it. We do have a leash law here even in the county....and the owner is totally responsible for the animal's behavior. One of the reason I only have cats now.