GETTING AND KEEPING
HOMEOWNERS INSURANCE

Did you know that in most states it is legal for insurance companies to charge homeowners higher premiums or refuse to renew a
policy based solely on the owner's breed of dog? More and more dog owners are being told they will be dropped by their
insurance carrier if they refuse to give up their dog, even if they are long-time customers and their dog has never bitten or
attacked anyone. The following resources are designed to assist you in your efforts to find insurance.

Tips on Finding Homeowners' Insurance
  • Shop around. Ask your dog-owning friends which company they use and if they have had problems. Your dog's national
    breed club may also have suggestions.

  • Contact the insurance commissioner in your state. The phone number can also be found in the state government section
    of the blue pages of your phone book. The commissioner can provide you with a list of all insurance companies doing
    business in your state. Work your way down the list to find out who can provide you with coverage that best suits your
    needs. When you speak to the commissioner, share your frustration over companies' discriminatory practices. Specifically
    ask him or her to review a cancellation or refusal to renew your policy. Existing law may already prohibit insurance
    companies from discriminating by breed, particularly if you live in Pennsylvania or Michigan.

  • Agents within the same company may have different policies. Talk to more than one representative for a particular carrier
    before giving up.

  • Contact your state senator or representative. Discuss your insurance problems and suggest that he or she introduce
    legislation prohibiting insurance companies from discriminating against homeowners based on the breed of dog they own.
    The AKC Canine Legislation department (doglaw@akc.org) has materials to assist you in these efforts.

  • Consider buying a separate liability policy or separate rider to your existing policy that is specifically directed towards your
    dogs
Other helpful links:






Homeowners Insurance Available to Breeds Previously Excluded with CGC Certification
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