Keeping Pets With Their Families
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End Arkansas Insurance Breed DiscriminationCurrently, responsible pet owners of particular breeds or mixes of dog get charged extra premiums, get denied insurance coverage, or may be dropped from their insurance company. These policies are all based upon the breed, or what breed the dog APPEARS to be. The practice of using breed as a predictor of risk is unsupported by reliable data. There is a wide range of dogs falling within the category of “risk” breeds including Boxers, Giant Schnauzers, German Shepherds, Chows, Great Danes, Alaskan Malamutes, American Staffordshire Terriers, Akitas,Cane Corsos, American Bulldogs, Belgian Malinois, Keeshonds, Rhodesian Ridgebacks, Ovtcharkas, Siberian Huskies, Dobermans, Pit Bulls, Dalmatians, Rottweilers, Australian Cattle dogs and more. The NAIC should protect pet-owning consumers. Insurance companies should focus on the behavior of the dog. Dogs with aggressive behavior should not be protected by any moratorium. This is important because dogs are viewed by the vast majority of Americans as part of the family, and the ability for people to keep families together should be protected. Breed discriminatory insurance practices can cause responsible pet owners to be unable to keep their dogs, and cause an increase in the amount of pets in shelters. The likelihood a dog will bite is based on many factors such as socialization of the dog, obedience training, supervision provided by the owner, and how the victim interacts with the dog. It has not been proven by scientific evidence that aggressive behavior is present in any particular breed of dog. Insurance companies that want to reduce risk should focus solely on behavior.58 of 100 SignaturesCreated by Kaitlyn S.
New YorkStop the state of New York from discriminating against dog breedsTwo-thirds of American households include at least one cat or dog, which makes having a pet-inclusive place to call home essential for most Americans. Given the huge demand, one might think there would be enough pet-inclusive housing for renters. Unfortunately, housing-related issues are the second most common reason that families surrender a pet to an animal shelter. These housing issues may pertain to insurance issues, landlord restrictions, or limitations placed on the physical animal. Many rental and government-subsidized housing make it difficult to own a pet. Even properties that are "pet-friendly" might have pet weight limits, such as "no dogs over 25 lbs" or breed restrictions. When families are forced to choose between securing a place to live and keeping their family pets, they may see surrender as a last resort. As a trillion-dollar industry, the housing sector can be a positive influence in creating an inclusive and humane community. Additionally, more than 90% of housing providers and residents agree that pets are an important part of families. Welcoming all pets is good for business because residents stay significantly longer in housing that is pet inclusive (2). Expanding affordable and accessible pet-inclusive housing is necessary to ensure that families don’t have to choose between housing and valued members of their family. Let’s work together to end housing restrictions for pets and their families.85 of 100 SignaturesCreated by Hsiu-Ching T.
Stop insurance companies from discriminating against people of color and the pets they loveThe vast majority of insurance companies use dog breed as a factor in determining whether to issue a homeowners insurance policy. Breed lists used by many companies are comprised of large dogs that are considered — without proof — to be more aggressive than other dogs based solely on their breed or appearance. To make matters worse, those living in ZIP codes commonly associated with people of color are more likely to be denied insurance if they live with a large-breed dog. Homeowners insurance exclusions, like the discriminatory practice of redlining, deny people of color and their pets fair access to the privileges and protections other American homeowners enjoy. Senate Bill 1672 has been introduced to stop breed-based insurance discrimination in Illinois. What passing Illinois Senate Bill 1672 will accomplish: (1) It closes a loophole that allows unscrupulous insurers to circumvent longstanding anti-discriminatory legislation like the FHA (2) It removes barriers to Black and Brown homeownership (because some might not be able to purchase a home if they have the 'wrong' dog) and hence encourages upward economic mobility (3) It allows Black and Brown families equitable opportunities for pet ownership, which is arguably not only part of the American dream, but also important to the mental well-being of pet owners Although insurance companies may claim that these restrictions are based on risk, scholars have argued that focusing on the breed of a person's dog can enable companies to engage in discrimination based on race (due to preconceived notions of who often owns restricted breeds) The focus should always be put on the behavior of the dog and the behavior of the owner instead. Arbitrary breed restrictions prevent otherwise responsible dog owners from acquiring adequate homeowners/renters insurance and forces many to give up their beloved dog companions before moving into state-subsidized housing. Breed restrictions also prevent well-mannered dogs from being adopted and infringe on a family's right to choose the best dog for them. Research on breed and behavior: * Researchers at Tufts University concluded that factors associated with actions of the owner —like the absence of an able-bodied person to intervene — are the primary cause of dog bite-related fatalities while the breed is not a factor. Source: https://www.ncbi.nlm.nih.gov/pubmed/24299544 * A recent study asked 16 animal shelter workers to guess the breed of 120 dogs. While the shelter staff collectively identified 52% of the dogs as pit bull-type dogs, DNA tests proved that only 21% had any pit bull mix in them. Source: https://www.sciencedirect.com/science/article/pii/S109002331500310X * A study published in the Journal of Veterinary Behavior compared aggression between banned dog breeds and a control group of golden retrievers using temperament tests. Comparing the results of golden retrievers and breeds affected by breed discriminatory legislation, no significant difference was found. The researchers concluded that "A scientific basis for breed-specific lists does not exist." Source: https://www.sciencedirect.com/science/article/abs/pii/S155878780700264X794 of 800 SignaturesCreated by James E.