Renter's insurance that accepts Dobermans?

Allstate renters covers your personal property, liability, guest medical, and reimburses living expenses (like if something bad happens and you have to pay to live elsewhere temporarily, similar to auto insurance paying for a rental if your car is in the shop).  Of course all of these have limits, deductible, etc.  For example if you have a policy that covers $30,000 of property, it may only cover a max of $5000 for a single item.  I don't remember the max amount for ours but I know it was more than what we own in possessions, including the cost of the purebred dogs (which are also less than the max. amount for a single "possession";).

The bottom line is that anyone can sue anyone about anything.  Doesn't mean you will win, but if we all lived our lives to absolutely avoid any liability we'd have to basically live like isolated cavemen.  Dogs or no dogs, I could probably sue my own landlord for a dozen different things that are a liability to me or my guests, or things in the home that are "dangerous" or not up to code, but sheesh we're all hard working people with common sense and respect for each other.  Things that are downright dangerous I call in on and have fixed immediately (for example, my college rental house had rotted planks on the back deck and mold growing under the laminate in the bathroom).

T-Bone will be one on July 5th, so yes he's technically still a puppy.

I like to have a wider age gap between dogs if I can, and my own personal criteria for adding another dog is that the resident dogs need to be fully trained, meaning they must respond to: sit, down, wait/stay, leave it and come.  It really sucks having two dogs to deal with if your first one cannot do those things reliably yet.  Also, if you do decide upon a Doberman, my advice is to get a nice female.  Some of the Dobe males have a tendency to be DA and if you don't want problems between the pup and T-Bone, that's probably a wiser choice.   To be honest, now that you have described your family situation relative to housing, and your insurance situation in your state, I'm more concerned that you get a nice dog that T-Bone will like.  Truthfully, though, most GSD's are probably happier without Dobermans competing for your attention lol.  After all, the Dobes are leaners and will snug up closer to you;-)))

spiritdogs

Also, if you do decide upon a Doberman, my advice is to get a nice female.  Some of the Dobe males have a tendency to be DA

Let me clarify here that either gender can be DA, actually.  Having worked with over 200 Dobes, I'd say it may be a 60/40 split between the males who were DA vs females.  It's just fairly common for two male Dobes to have serious issues with eachother, though, so having a young male GSD, you'd be wise to go with a female - and have a great trainer at your disposal. ;)

I have had renter's insurance with specific need for liability for my Dobe for nearly 7 years with USAA.  (Although I have never expected a liability with my girl, it was a requirement of my landlord at the time.)  They never asked what breed I own, but I told them anyway and it was no issue.  If you ever served in the military, or have parents/grandparents who served, look into USAA.  It's THE best insurance in the country, and their other financial services are OUTSTANDING. 

I own as well, but the fact is, I had state farm during my divorce, and when I remarried, kept the same company.

 When we rented we went with State Farm and we still use them for our home owners now that we own a house.  They didn't ask about breed, didn't ask to meet the dog/dogs, nothing.  They asked if the dogs had bite records (they don't), they asked if they were guard or protection trained (laughable), and told us that they would insure us but they have a "one bite and your out" policy, which was something I could live with.

miranadobe

If you ever served in the military, or have parents/grandparents who served, look into USAA.  It's THE best insurance in the country, and their other financial services are OUTSTANDING. 

I just have to second this! The lady that totaled my car, had USAA. They were very easy to work with, and paid VERY well in the end. No arguments, just DONE. I was pleasantly surprised. Even the car rental place said that they were a good company to work with (I know, different things here... but still one umbrella company)

Our AllState agent confirmed no breeds are discriminated against, no training or titles have any impact on coverage, and dog bite liability IS included in our renter's (to a point).  Damage to the property caused by dogs is not covered by renter's (but in my case is covered by deposits in addition to the normal security deposit, I pay $100 per pet on top of the security deposit).

I've encountered a similar situation with my dog. What worked for us was staying consistent with training and reinforcing positive behavior. It's essential to remain patient during training and sometimes consult with a professional trainer if needed. Every dog is unique, so finding the right approach can take time. Wishing you the best of luck!

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