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I have always liked Dobermans but lived in apartments for years. I recently bought a house and now have a backyard to play with a dog. Before closing on my house, I had to secure homeowner’s insurance and pay for the insurance at closing. When I received the insurance documents I saw that it states no Dobermans allowed. What do people with Dobermans do? I don’t know if insurance companies refuse to insure or they charge a higher premium? I t’s not like I’m looking to get a dog that is vicious. I want one for companionship and toparticipate in agility and obedience classes.
I was going to look at the adoption groups and breeders fordogs. One breeder’s website had a questionnaire to fill out if interested in buying one of their puppies. One of the questions concerns homeownersinsurance restrictions on owning a Doberman. I’m sure the adoption groups will want to know that as well.
Kinda bummed, because I finally have a house and I can’t get the dog I want.
Last edited by Whyrallnamestaken; 06-27-2013 at 11:02 AM..
Reason: formating was weird
People are so ignorant; that's why this happens. Dobies are terrific and gorgeous dogs. The fact that some people used to overbreed them and train them to attack has generated a breed-specific stereotype. It's so sad. I once knew a Dobie named Rambo. He was a kissy, slobbery lap dog.
You CAN get homeowner's insurance that doesn't have such a restriction. You can't possibly be locked into one specific company, can you? In fact, you can drop your current company at any time, get a prorated refund and go with a different company. Make sure to let the company you're dropping know exactly why you're doing it.
If you have a fenced yard, you will have the least problems of all. Enjoy home ownership, and I hope you can get the pupper you want!
Yes, it's time to go homeowner insurance shopping. You might try an insurance broker who represents numerous companies to do the legwork for you. I've had to do this
for our small farm when we went from 3 to 7 horses, suddenly our existing homeowners dropped us like a lead balloon~!
Just don't go dropping your current insurance until you get another one lined up or you could be in deep trouble with your mortgage company.
I have USAA and have a German Shepherd which is also on the dangerous list. When I signed up they asked if I have a dog that has ever bitten anybody. Which was no. They did not ask. I, then, called (two years later) and asked directly and they said since I voluntarily disclosed I can no longer have an umbrella policynand am now locked into my current liability policy and unable to add more in the future.
Yes, it's time to go homeowner insurance shopping. You might try an insurance broker who represents numerous companies to do the legwork for you. I've had to do this
for our small farm when we went from 3 to 7 horses, suddenly our existing homeowners dropped us like a lead balloon~!
Just don't go dropping your current insurance until you get another one lined up or you could be in deep trouble with your mortgage company.
Correct. We switched homeowners insurance companies several years ago for a different reason, and our new company (like a good neighbor...!) did all the work for us. We never had to notify the other company we were dropping them. It was seamless. Make sure if you do this, you go with a very highly rated company. We love our insurance agent now! One time I asked him if it would make a difference to our rates if we had two dogs, and he didn't even ask their breeds. He just said it didn't matter.
Wow. This is not an issue for me but I'd be plugged if I'd not look into it if an insurance company restricted what type of pet I owned. Sheesh.
I live in an apartment and chose it because <drum roll> there's NO SIZE RESTRICTION. They say there's a breed restriction, 'no aggressive breeds,' but get this, we have shepherds, pit bulls, dobies and mastiffs here. Hmm. I dunno what is restricted. It's a very pet friendly place with a dog park which is why we chose it. When I owned my home if my insurance company told me I couldn't have the pet of my choice I'd have told them I'd have the insurance company of my choice fast.
The whole concept of 'dangerous' or 'aggressive' breed makes me angry. As the animal control officer told me once, 'if it has teeth it can bite.' Arrruuuggh. I can get on a soap box here. My mixed breed dog is a little more aggressive than most dogs so I've taken pains to train her well, she's very obedient and well mannered. It's all about knowing your dog and training.
I hope you find another insurance company and a perfect dobie friend for your new home
At the time I decided on insurance for my house, I didn't even think about a dog being a problem. I did use an insurance broker though. I will call them and see what they find out. I got a good rate so I hope it doesn't increase much.
Yes, check State Farm. They were the only company to insure me with Rottweilers when I lived in Colorado.
Luckily here in Michigan insurers are prohibited from discriminating against homeowners purely because of the breed they own so it will vary from state to state.
Keep calling around and I sure hope that you are a: in an enlightened state and b: find a sensible homeowners policy!
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