I know where I live The Insurance company Gives a discount iF you have any kind of dog.I had 2 Dobermans when we first gor our policy now I have a German Sheperd and a Min pin.I think you should go with a min pin they are small but do not think that at all.Mine will try to take on a pitbull lol.He is almost as good a watchdog as my Sheperd is and is much more a breed that people that are scared of dogs can accept.Thanks Lisa