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Homeowners across the United States are being targeted by insurance companies solely based on the breed of dog they own. Insurance companies label some dog breeds as dangerous, resulting in higher premiums, inferior policies, or denial of coverage altogether. This practice needs to stop, and it needs to stop now.
U.S. insurance companies can question homeowners on whether they own a certain breed of dog, and can charge more for a policy or require additional paperwork depending on the answer. This practice, known as breed profiling, is outlawed in some states, like Michigan and Pennsylvania, but in most states the insurance companies can outright "blacklist" policy holders for owning certain dog breeds.
Its not just the homeowners who suffer, either. The higher premiums and lower coverage make those breeds less likely to be adopted, leaving them to languish in shelters.
Policy standards when it comes to dog breeds vary from company to company and differ by state. Some companies simply charge more in premiums for owners of a dangerous dog breed, while others deny coverage outright. This is not the case with all insurance companies, however. State Farm and others look at a dogs bite history, not their breed, when calculating factors like risk, coverage, and cost.
Breed bans have been proven to be extremely ineffective, and are not based on scientific data. Dogs should be evaluated based on individual temperament, not only on their breeds. Insurance companies shouldn't be allowed to discriminate against home owners who have a dog of a "dangerous" breed. That's why a nationwide ban on breed profiling needs to be put into effect by the National Association of Insurance Commissioners.Sign below to stop breed profiling for homeowner's insurance!
To the National Association of Insurance Commissioners,
Homeowners should not be discriminated against and punished simply for owning any particular breed of dog, regardless of the dogs temperament, sociability, and personal history. Breed profiling is an irrational practice that only hurts homeowners and dogs all across the United States.
Recognizing that standards and policies differ between companies, and state regulations differing as well, I ask you put into effect a nationwide ban on breed specific policies, or breed profiling, in relation to dog ownership and homeowners insurance.
I join with organizations including the American Bar Association, American Kennel Club, American Veterinary Medical Association, National Canine Research Council, and the U.S. Department of Housing and Urban Development, among others, who recognize that any housing or insurance policy regarding a dog should look at the dogs behavior instead of breed.
Well-trained, socialized pets of all breeds should be allowed to be owned without the threat of penalty from insurance companies in the United States.
National Association of Insurance Commissioners, you can end breed profiling in homeowners insurance policies and create breed-neutral standards that are based on evidence, not fear. Homeowners and all breeds of dogs deserve better than what is currently taking place.