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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.

It’s 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 dog’s 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!

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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 dog’s 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 dog’s 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.


Petition Signatures

May 23, 2018 Brent Pennell
May 23, 2018 Pamela Brown
May 22, 2018 annah jetha
May 22, 2018 (Name not displayed)
May 22, 2018 Natalie Harrison This is not right. Needs to stop. Time to do the right thing.
May 22, 2018 Joanne NAPIER
May 22, 2018 Ellen Cocolin
May 22, 2018 Helle Andersen
May 22, 2018 judy lim
May 22, 2018 Annamaria Rizzo
May 21, 2018 Aliyah Khan
May 21, 2018 Ronda Hightower
May 21, 2018 galina Dzhaladyan
May 21, 2018 Amy Plamann
May 20, 2018 ki paul
May 20, 2018 valerie bowie
May 20, 2018 Jacqueline Manders
May 20, 2018 (Name not displayed)
May 19, 2018 Maureen Wheeler
May 19, 2018 Leslie Slater
May 19, 2018 Jennifer Harris
May 18, 2018 Julie Wild
May 18, 2018 Mani S
May 18, 2018 Kate Frangos
May 18, 2018 Margery Hughes
May 18, 2018 Sally Allen
May 18, 2018 alan harper
May 18, 2018 Lynn Walker
May 18, 2018 Pam Steele
May 18, 2018 Mona Boggio
May 18, 2018 Tiffany Challis
May 18, 2018 Julanne Nowak
May 18, 2018 Donna Selquist
May 18, 2018 LOIS BALL
May 17, 2018 Megan Burkholder
May 17, 2018 Wendye Kolles
May 16, 2018 Linda York Pit bulls are NOT the monsters they are made out to be. STOP breed profiling and look at the dog.
May 16, 2018 Penny Duke
May 16, 2018 Viktoriya Chukhnina
May 16, 2018 Susan Hogarth
May 15, 2018 Dorothy Walker
May 15, 2018 Evangeline Miranda
May 15, 2018 Erica Munn
May 15, 2018 Erika Howards
May 15, 2018 Monica La Marfa
May 15, 2018 Elizabeth Fuller
May 15, 2018 (Name not displayed)
May 15, 2018 Erika Zemmol
May 15, 2018 Heather Alexander

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