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1973 - 2017: DPCTZ Celebrates 44 Years!

Energetic, watchful, determined, alert, fearless, loyal and obedient

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Homeowners Insurance Discrimination

DPCA Position Statement:  The Doberman Pinscher Club of America believes that insurance companies should determine coverage of a dog-owning household based on the dog’s deeds, not the dog’s breed.  Additionally, whether a home has breedable dogs or not should not be a determining factor for insurance coverage.  If a dog is a well-behaved member of the household and the community, there is no reason to deny or cancel coverage. In fact, insurance companies should consider a dog an asset, a natural alarm system whose bark may deter intruders and prevent potential theft.

The DPCA strongly favors and promotes legislation that prevents insurance carriers from refusing to insure or cancelling liability coverage based on the breed of dog owned in a household.

AKC Position Statement:  HOMEOWNERS’ INSURANCE AND DANGEROUS DOGS The American Kennel Club believes that insurance companies should determine coverage of a dog-owning household based on the dog’s deeds, not the dog’s breed. If a dog is a well-behaved member of the household and the community, there is no reason to deny or cancel coverage. In fact, insurance companies should consider a dog an asset, a natural alarm system whose bark may deter intruders and prevent potential theft.

Excerpt from Justification for NY State AB 3952:  For years, insurance companies  that  offer  homeowners  insurance  have avoided  loss because of the burglary prevention provided by homeowners' dogs. It is unacceptable that now insurance  companies  would  want  the ability  to  deny coverage based on the exact same breed of dog that may have protected the homeowners and the insurance company from loss.

Sample Constituent Letter: This is a template - please personalize and use

The Case Against Dog Breed Discrimination by Homeowners' Insurance Companies 

Communicating Effectively With Your Legislator

Model Legislation:  Links to bills that oppose discrimination in Homeowners Insurance based on breed of dog.  These bills may or may not have passed and become law, but they offer a glimpse into the mindset of the legislators introducing them and may be used to request similar legislation from our own legislators

NY  State AB 3952:  Prohibits insurers from refusing to issue or renew, cancel, or charge or impose an increased premium for homeowners' insurance policies based on the breed of a dog owned.  This passed the Assembly but the companion bill in the NY Senate did not get out of committee.

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