I have an approximate 30-year relationship with Nationwide Insurance, having multiple policies. I have had my current home in Florida insured with the company for 9 years. I just received a letter notifying me that my policy would not be renewed due to the fact that there is a "Doberman Pincher on the premises". It further states that if "the situation is corrected", and "the hazard is removed", I may return the signed and sworn statement saying I have "reliquished ownership" and it [they - I actually have 2 dobies] "has been removed from the premises", I will again be eligible for renewal.
My dobie "kids" are ages 7 and 5. They are the same ages as my 2 grandchildren who live with me. My dogs are well trained, and not agressive. They have no history of being threatening, my 5.5 acres are totally fenced with a locked gate, yet that is not even a consideration? To quote my veterinarian, "your dogs are well trained, and basically, wimps".
I worked for many years as a veterinary assistant. I have worked with various breeds and mixes while they were at their worst (injured or ill). An arbitrary declaration about any particular breed is absurd. The most vicious dog I ever met was a mix that would be considered acceptable by insurer's standards. The deciding factor for me in choosing the Doberman breed was their intelligence and stoic personalities, and very LOVING nature. This has proven true in my dogs. They love people and adore children.
Although my dogs are very docile, even my own grandchildren have been taught respect as well as kindness to any and all animals. My Paso Fino is a big puppy, but the kids know to respect the fact that being accidently stepped on will hurt. My point? You don't wear flip-flops around a horse, and you don't play tug-of-war with a dog and his food bowl. Any horse can kick, and any breed can bite. It's the pet owners that should be carefully screened. Across-the-board proclamations are a profound assault on all pet owners.
So, here I am, faced with trying to find coverage for my home. I have made many phone calls, and as of yet, have not had success. In Florida, we are facing so many issues with Homeowners Insurance, this just seems to be another problems on a growing list. I was told by one agent to call back within 30 days of the end of my present policy (my Nationwide policy is cancelled as of May 28, 2007). If anyone knows a company in Florida who accepts dobies, I would appreciate the information. Having to choose between my dogs and my home is just ludicrous.