I work at an insurance company (hopefully, not for much longer if I have my way!) and I agree that the lists are ridiculous!! Not all states have the lists. Looking through my manual, I see that NY and Ohio don't specifically forbid certain breeds of dogs. But Rhode Island for example excludes the following types:

Akita, Bullmastiff or Mastiff, Chow, Doberman Pinscher, Pit Bull Terrier, Rottweiler, Spitz, Wolf, Wolf hybrid or any dog with a dog bite claim.

Now where would Duncan fall on that list? He may be a combination of any/all of the above breeds but he's fine since he's technically listed as a "mixed breed" with my renter's insurance? Any time people/corporations try to generalize, problems exixt. Don't we ever learn from our mistakes in the past?