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My mom’s had a doberman and my dad had a pit bull, both lived good happy lives, I have a labrador right now, it’s 9 years old and covered with tumors, we’ve asked our vet what we can do to help him but they say just make it’s remaining time enjoyable to the dog and my family, I get average grades in school, I’m a decent rank in the BSA and very mature compared to most of the people I know, Im willing to work hard and get all the money to pay for it myself all I need is permission but my mother tells me to ask my father and my father says his neighbors doberman was a wild animal. I’ve looked up information on them and informed him his neighbor probably mistreated it or did not assert himself as the master which is key in owning a doberman. My father then said he wasn’t convinced but was more concerned about our insurance rates, as the doberman pinscher is number 9 on the dangerous dog list we would have to get an extra coverage but my research hasn’t revealed any firm that would cover us and is still close to home and it hasn’t said how much of a price increase it is. If anyone has any knowledge on the topic or knows how I could prove to them I’m responsible enough for a doberman I’m open to suggestions. Thank you for taking the time to reade this and I hope you can help.

4 Thoughts on I’d like to get a doberman but my parents are worried about our insurance droping us or raising our rates?
  1. Reply
    Pilar G
    July 25, 2011 at 10:42 pm

    I have a doberman/rottweiler mix and oh my god she is the sweetest girl I have EVER had in my entire life. The only problem is if they show agressiveness stop them right then and there and show them that attitude is NOT allowed. I don’t find them to be dangerous and I don’t see why you have to pay more.. I don’t.. I hope I helped a little.

  2. Reply
    pǝʞɔıʍ ɥɔʇıʍ™ of the West
    July 25, 2011 at 11:35 pm

    Many Insurance companies have a dangerous dog list, some of them will absolutely NOT cover any home that harbors one of the breeds, or crosses of those breeds, on the list, others simply use it as an excuse to raise rates. Your parents will have to check specifically with the insurance company that covers your home. If they will not cover it, forget getting one, it’s too risky.
    You really should wait to get one till you are grown and settled anyway, what will you do with a dog when you go off to college, or you have to get your first apartment and you can’t find one that will allow your dog? Where will the dog go? The shelter? Your parent’s house? Given away to some stranger or rescue? You have to think ahead when you think about getting a dog, they live 13 to 15 years on average and their life is your responsibility.

  3. Reply
    July 26, 2011 at 12:12 am

    Your dad is right to be concerned about the insurance. Some companies will indeed drop you, refuse to insure or charge a higher rate based on the breed of dog you own. The only way to know is to check the laws in your state (some states do not allow discrimination based on breed only on past behavior of the dog) and with your insurance company to find out what their policy is

  4. Reply
    ☆ Memphis Belle ~ Make 'N' Mischief ~ ☆
    July 26, 2011 at 1:04 am

    The reality of a breed & the insurance provider’s perception based on whatever statistical data used of it does not always go hand in hand, which is reflected in the uplift or refusal of companies to provide insure if a person owns a breed that is deemed to be dangerous for the purposes of insurance.

    A Dobermann from a good kennel would be bred tightly to the breed standard to be as sound in mind as it was in conformation & health, so highly unlikely to be dangerous due to mental instability.

    However such dogs do not come cheap, & couple with expensive insurance premiums it may be prohibitively expensive to afford cover, even if you could find a provider.

    In addition bear in mind that while good breeders will health test for genetic conditions to minimize the risk a pup will develop a life limiting or impairing health condition, they cannot guarantee it will be healthy.

    The breed it is prone to serious conditions & the top five are hip dysplasia, heart failure, von willebrands [bleeding disorder] hypothyroidism & cancer.

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