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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.

Sincerely,

Petition Signatures


Feb 24, 2018 Colleen Hirter
Feb 22, 2018 Andrey Yushchenko
Feb 22, 2018 emme g
Feb 21, 2018 Melissa Armstrong
Feb 21, 2018 Jessica Morrow
Feb 20, 2018 Sarah Mallows
Feb 20, 2018 Socorro Wapelhorst
Feb 20, 2018 Susan Harmon
Feb 20, 2018 Nora Sachs
Feb 19, 2018 Geniece Medsker
Feb 19, 2018 Tia Mitchell
Feb 19, 2018 Mireille Baré
Feb 18, 2018 Wanda Anthony
Feb 18, 2018 Mr and Mrs Richard N. Huff
Feb 16, 2018 ANA ALEMAN
Feb 16, 2018 gillard claudine
Feb 14, 2018 maria lopez
Feb 13, 2018 John Burgess
Feb 13, 2018 (Name not displayed)
Feb 13, 2018 (Name not displayed)
Feb 10, 2018 Nalini Persad
Feb 10, 2018 Linda M
Feb 8, 2018 (Name not displayed)
Feb 5, 2018 Janice Banks
Feb 3, 2018 Doris Schaefer
Feb 3, 2018 Linda Millar
Feb 2, 2018 Susan Bradshaw
Jan 31, 2018 (Name not displayed)
Jan 29, 2018 (Name not displayed)
Jan 25, 2018 (Name not displayed)
Jan 24, 2018 LOUISE MOORE
Jan 23, 2018 Lens Lucas
Jan 23, 2018 Francisca Brechbuhler
Jan 22, 2018 Laura and Bill Congdon
Jan 21, 2018 Christopher Lang
Jan 19, 2018 (Name not displayed)
Jan 17, 2018 Rick Hodorowich
Jan 17, 2018 cara frame
Jan 16, 2018 aya oda
Jan 15, 2018 KAREN BROWNING
Jan 14, 2018 Sieglinda Preez
Jan 14, 2018 Debra Glass
Jan 13, 2018 Sheri Nolen
Jan 13, 2018 Cathy Saunders
Jan 11, 2018 Sandra Tucker
Jan 11, 2018 carla renders
Jan 11, 2018 Lynn Gaudette
Jan 7, 2018 Karen Schultz
Jan 6, 2018 (Name not displayed)
Jan 6, 2018 Davina Lee

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