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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

Apr 20, 2018 Victoria Apodaca
Apr 18, 2018 Mildred Tanner Punish the deed, not the breed!
Apr 17, 2018 Kristy Davis This is discrimination and a disgusting policy by companies to busy saving their butts to focus on change.
Apr 17, 2018 Colleen Reilly We chose our homeowners insurance because their policy is “a dog is a dog”. Claiming certain breeds as “dangerous” implies others are “safe”, which is a fallacy.
Apr 17, 2018 Valerie Charbonneau
Apr 15, 2018 Gina Lippa
Apr 15, 2018 Annie Erb
Apr 15, 2018 nicole goberdhan
Apr 15, 2018 Michelle Cheney
Apr 15, 2018 Holly E
Apr 15, 2018 Jacqueline McGrath Curtis
Apr 14, 2018 Jean Lambert
Apr 14, 2018 Becca Polka
Apr 14, 2018 Nicole Hadjieva
Apr 14, 2018 Nicole Fish
Apr 13, 2018 Yves Ghislandi
Apr 13, 2018 Racquel Colinares
Apr 13, 2018 Theresa Simpson
Apr 13, 2018 fran doz
Apr 13, 2018 D'Arcy Goodrich
Apr 13, 2018 Laura Fuller
Apr 13, 2018 anthony roberts
Apr 13, 2018 Linda Jungman
Apr 13, 2018 Andreas Papapanagiotou
Apr 13, 2018 Gina Hernandez
Apr 13, 2018 Sherry Zendel
Apr 12, 2018 Dennis Fuller
Apr 12, 2018 EMIR BOLUFFER
Apr 11, 2018 Karen McMurray
Apr 11, 2018 georgina italy
Apr 10, 2018 LISA CRUZ
Apr 9, 2018 (Name not displayed)
Apr 9, 2018 (Name not displayed)
Apr 9, 2018 (Name not displayed)
Apr 9, 2018 jewel winters
Apr 9, 2018 Rebecca Mierke
Apr 9, 2018 eric lavoie
Apr 9, 2018 andree leplay
Apr 8, 2018 Deja Brown
Apr 8, 2018 Margaret Cota
Apr 8, 2018 loreli wolf-spears
Apr 8, 2018 A S
Apr 8, 2018 Fawn Mcconnell
Apr 8, 2018 Cathleen Cascia
Apr 7, 2018 george lewis
Apr 7, 2018 Lisa vasta
Apr 7, 2018 Diane Gilliam
Apr 7, 2018 Roberta Norris

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