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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.
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