Animal Writes
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From 4 January 2004 Issue

Canine Profiling by Insurance Companies?
From the ASPCA Advocacy Center

Has your homeowners’ or renters’ insurance policy been canceled or denied simply because of the breed of dog that you own? More and more homeowners across the United States are finding they are faced with the hardship of choosing between keeping a beloved friendly dog and obtaining homeowners’ insurance simply because their dog belongs to a breed the insurance company has deemed unacceptable.

Previously we have asked you to contact the ASPCA to tell us your stories. Now we are asking you to contact the Insurance Commissioner of your state to let him/her know of the difficulties you have encountered. They need to hear the stories directly from consumers.

To send a letter directly to your Insurance Commissioner, Click here

When composing your letter, please remember to include the following:

* The name of the company that denied coverage
* The approximate date of the denial or refusal to provide coverage
* The breed of dog you own
* The fact that canine profiling has not been proven effective in preventing dog bites
* That companies should look at the individual bite history of each dog when deciding whether to provide coverage.
* Companies should consider whether a dog is spayed or neutered; whether it is in a fenced yard and whether the owner keeps the dog tethered or chained all day long.

If this trend continues, more and more of these innocent family pets will end up as UNADOPTABLE animals at shelters and will have to be euthanized because no one will be able to obtain insurance.

Insurers should practice sound underwriting practices and look to the “deed” of the dog rather than the “breed” of the dog.


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