However, if you own any of the following breeds, then you need to check your policy: great danes, pit bulls, rottweilers, dobermans, chows, wolf hybrids, huskies, etc. Be sure to click through the above link to see all of them and be sure to read your policy and ask your agent. If your dog bites somebody it could cost you everything depending upon where your states bankruptcy laws.
The "my dog would never do that" or the "it all depends upon how the dog is raised" doesn't matter after it's happened. Insurance companies rely on numbers, not how nice you say you are to your dog. They have no way of distinguishing between the two so they just exclude entire breeds in order to protect themselves. Check your policy!