Purchasing a home is an exciting moment in anyone’s life, but it can also be stressful. Adding to the stress is attempting to secure homeowner’s insurance. Unfortunately, if you’re an owner of a “bully breed” dog, acquiring this type of insurance for your home will not be easy. Bully breeds consist of American Pit Bull Terriers, Staffordshire Terriers, Rottweiler’s, Dobermans, Alaskan Malamutes, Akitas, Boxers and Bulldogs. Let’s take a closer look at the unfair bias towards these breeds in regards to homeowner’s insurance.
First off, Breed Specific Legislation in any aspect is unfair and impractical. Even if you live in a city where there isn’t any legislation against your breed of dog, it can still be extremely difficult to own certain breeds because of other restrictions. There are some insurance agencies, including big names such as Farmers that are practicing breed discrimination. These agencies will not cover you at all or make you pay a higher premium.
If you take other categories of insurance such as vehicles and health, the coverage is based off the record of the individual. For example, car insurance premiums are based off your driving and accident record. Health insurance is based off pre-existing health conditions. A bias against a particular group of individuals does not exist within these types of policies, so why should it against a particular set of breeds with homeowner’s insurance?
The same practices should be used towards an individual dog when acquiring homeowner’s insurance, base the coverage off the record of the dog. If the dog doesn’t have a record, coverage should be granted. If the dog has a recorded bite or bites, coverage can be denied or the premium would be higher. Treat the process exactly as you would with health or vehicle policies.
There have been numerous responses to Farmers Insurance because of their practicing of breed discrimination, enough response to start a petition on change.org. Please take 30 seconds of your time to sign the petition and help change the unfair practices of insurance companies. Thank you.
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