Skip navigation

no spam, unsubscribe anytime.
Skip navigation
Goal: 30,000 Progress: 17,556
Sponsored by: The Animal Rescue Site

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!

Sign Here

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

Sep 17, 2017 Joanne Raby
Sep 16, 2017 Nina Carey
Sep 15, 2017 Amber Ford
Sep 15, 2017 Jeannette remak Oh PLEASE!! The insurance community doesn't have anything else to do that worry about what breed dog you have???? How about trying to lower rates instead of imposing yourself on other peoples lives!!
Sep 14, 2017 Lauri Moon
Sep 14, 2017 Kristie Hatton
Sep 14, 2017 Kristie Hatton
Sep 14, 2017 Deborah Moore
Sep 14, 2017 (Name not displayed) Trained dogs are wonderful home pets. Pitbulls and other breeds historically seen as dangerous are actually amongst the sweetest dogs around. Perhaps give a training exemption to this rule.
Sep 13, 2017 Lois Freeman
Sep 13, 2017 Alexandra Harteam
Sep 13, 2017 Svetlana Babies
Sep 13, 2017 stacy brainard
Sep 13, 2017 Nichole Canino Mellerke
Sep 13, 2017 barbara gale
Sep 13, 2017 Paula Pucharella
Sep 13, 2017 Maxine Clark
Sep 13, 2017 Janice McShane
Sep 12, 2017 diane clayton
Sep 11, 2017 dumbzucker stupe
Sep 11, 2017 drue cali
Sep 11, 2017 Trixie Santos
Sep 9, 2017 Stevie littrell
Sep 8, 2017 Jena Nixon
Sep 8, 2017 Krystal Burroughs
Sep 7, 2017 Bonnie Clyne
Sep 6, 2017 Setsuko Yamamoto
Sep 6, 2017 Mara Mandell
Sep 6, 2017 (Name not displayed)
Sep 6, 2017 Dianna Brown
Sep 6, 2017 Kathryn Gallagher
Sep 6, 2017 Ilse Spiegel
Sep 6, 2017 cathy minshall
Sep 6, 2017 April Rivait
Sep 6, 2017 Michele Brooks
Sep 6, 2017 Anne-Pascale Kestemont
Sep 5, 2017 Denise Trumpold
Sep 4, 2017 maristela machado
Sep 4, 2017 Janna Ellsworth
Sep 3, 2017 Laurie Knight
Sep 3, 2017 clare stoddern
Sep 2, 2017 ludo stassijns
Sep 1, 2017 Yumiko Starr
Sep 1, 2017 Patricia Anderson
Aug 30, 2017 Mary Jane Weaver
Aug 30, 2017 Tana kent
Aug 30, 2017 Marilyn Bragg Ever had your life saved by an animal? Mine was by 3 bully breeds often banned when an armed intruder entered my home in the night . Don't judge. Just ❤️
Aug 29, 2017 Megan Ryan
Aug 27, 2017 Cindy Brice
Aug 27, 2017 Josephine Biagi

back to top

Rainbow Watercolor Paw T-Shirt
Share this page and help fund food & care: