Boxers NOT accepted by alot of home insurance companies, WHY?
This is news to me. We own a Boxer and I know I have heard about some insurance companies not accepting or require to be reported if you own a Pittbull, Rottweiler, Doberman or German shepard. But this was the first time I have ever heard about Boxers! I dont understand why. All the Boxers I have know have all been sweet. Now I know they have a tendency to be hyper and clumsy could this be why?
Actually to Dani B. When we were shopping for Ins several companies said NO to Dobermans, Pitts> Rotts and German shepards. So we knew this from actaully shopping around that is why we got a BOXER because we figure it wasnt on the list because we had originally wanted a DOBERMAN. After having a Boxer for awhile we were trying to get insurance with a different company because ours questioned us having a BOXER and didnt allow it. We then came to find that ALOT of companies are NOT allowing BOXERS as well as the other breeds I mentioned, so NO it wasnt one of those cant believe everything ya hear situatons….we heard it DIRECTLY from teh ins companies and they couldnt even give a straight explanation WHY
Mine was incredible ( $$$$ ) when I told them of my Doberman. The next one I called I said I had fish.
Sometimes insurance companies have some stupid rules. Maybe not on my Doberman or a pitbull but obviously a boxer made the list – go figure
July 17th, 2010 at 8:46 pm
Never heard of it, must be an American thing. Have you asked the insurance? I would really like to know why.
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July 17th, 2010 at 9:18 pm
It’s called breed-specific legislation. They are placing restrictions on owning certain breeds due the percieved threat to society.
Any dog can be the target of it, but more often than not, it’s the bully breeds (large head and jaws), that are targeted. Unfortunately, there’s nothing you can do. If the county knew what kinds of dogs I have (3 GSD x Chow x Rott x Wolf Hybrids and a Bulldog), I’d be getting charged up the ass for insurance policies.
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July 17th, 2010 at 9:56 pm
Boxers common heath problems: Epilepsy, Abnormal dentition, Aortic and arotid body tumors, Aortic stenosis, Atrial septal defects, Cystinuria, Fibrosarcoma, Intervertebral disk disease, Mastocytoma, Pulmonic stenosis, Hip dysplasia, Cancer
This could be why….
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July 17th, 2010 at 10:39 pm
Mine was incredible ( $$$$ ) when I told them of my Doberman. The next one I called I said I had fish.
Sometimes insurance companies have some stupid rules. Maybe not on my Doberman or a pitbull but obviously a boxer made the list – go figure
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July 17th, 2010 at 11:29 pm
Alot of insurance companies are ignorant these days.
Alot of insurance companies won’t accept particular breeds due to a "bad reputation" which is caused by the media. Some insurance companies will just increase your rates if you have one of those breeds.
Now, you probably could find an insurance company that does allow Boxers. Your probably not looking hard enough.
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July 17th, 2010 at 11:47 pm
The other breeds that are difficult to insure are sweet dogs too.
the problem is alot of irresponsible owners are not properly training or socializing these breeds, some people are purposly training for aggression.. some of them are banned. People choose another "tough" breed.
I forsee a time when it will be next to imposible to insure ANY breed of dog over 30 pounds.
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July 18th, 2010 at 12:15 am
Key word, you "heard." Just cuz someone says something doesn’t mean it’s always true.
Did your INSURANCE AGENT tell you that you can’t have a Boxer? No?
Then don’t worry about it.
Every insurance company has their own rules & they are often based on experience, such as, they have paid a large claim cuz a Boxer bit someone.
If ONE company doesn’t allow Boxers, there are others out there that do.
Your insurance agent should have asked you about dogs when he sold you your policy. If he didn’t ask, then the company you are with doesn’t require that.
No problem.
EDIT: Legends, this is not breed specific legislation! Legislation means LAWS. This is not a LAW, this is what one insurance company may or may not allow! It has nothing to do with the law. LOL!
EDIT: Shannon – hysterical! It has nothing to do with the fact that some dogs might have health problems, such as Boxers. What makes you think your homeowners insurance covers your dog’s health?! LOL again!
Not to be mean, but there are a lot of people who answer questions when they have NO idea what they’re talking about.
EDIT again:
It sounds very strange to me that your agent would question you about having a Boxer after you’d already had your policy for a while. We don’t normally call people after we’ve written a policy even if we change underwriting guidelines, but that is besides the point.
Regarding the WHY an insurance company wouldn’t accept Boxers, they are a very popular breed right now… SO, that means that more bites are being reported because there are just more OF them. Any number of these companies may have paid a large claim for a bite by a Boxer, and so now that company may not allow them.
My advice to you would be to shop around with different insurance companies. Go to an independent agent, one who is appointed with a lot of different companies. They will go through all of their companies until they find one who will accept Boxers. An independent agent is not a Statefarm agent, or Allstate, or Geico, or Progressive – although you can check with them too of course.
If you are already using an independent agent and he has quoted you with ALL of his companies, then you need to find a different agent. I can guarantee there IS a company out there that accepts Boxers.
Good luck to you!
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I breed & show dogs & I’m also an insurance agent.
July 18th, 2010 at 12:57 am
depends on where you live and the problems they have faced like in NJ you have to be over 16 to walk a pitbull or the dog gets taken and probally put down in other states it aint that bad but its based on the problems they have seen so in your area the BSL has problems with boxers based on their experiences…id just lie and say its a pug mix or bulldog mix or something they probally wont look into it much, i mean people sneak pitbulls into the UK by saying their lab bulldog mixes and nobody questions them much
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July 18th, 2010 at 1:42 am
Bully breeds are getting such a bad rep because of gross trashy people who fight their dogs and/or teach their dogs to be aggressive towards people. They are the reason millions of dogs die in shelters every year. I think rather than punishing the breed, we should punish stupid people who own pets. It sucks that you have to suffer because for whatever reason, the trashy people who do this to their dogs are attracted to the bully breeds.
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July 18th, 2010 at 1:52 am
That’s what I am wondering – how the Boxer ended up on a restricted list. I guess it could be considered a bully breed – are Boxers even on the bite list? Every single one i have known has been a love sponge – a little clumsy and goofy, but not a mean bone in its body. I wonder if whoever does the underwriting for the insurance companies thinks Boxers are the same as pits or close enough – that is the only reason I could think of that they would be restricted (maybe a lot of insurance companies use the same underwriter)
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