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Support the NCOIL model act for preventing breed-based insurance restrictions.

USA: Ask your state legislators to help dogs via model insurance act

big dog in house

Great news! A member of the National Council of Insurance Legislators (NCOIL) has introduced a model act to protect dog owners from breed-based insurance restrictions.

Legislation is needed to protect pet-owning consumers as 69 million U.S. families own dogs and 52% of homeowners surveyed acquired a pet after their policy began. 

Studies have shown that breed does not dictate behavior. As such, homeowners and renters insurance companies should not be permitted to refuse to issue or renew a policy simply because of a dog’s breed or mix.

Several states — including New York, Nevada, and most recently, Arizona — have passed laws on this topic; the NCOIL model act would help other states pass similar legislation.

TAKE ACTION: Ask your state's legislator(s)* on the NCOIL Property & Casualty Committee to support this model act! Use the form on this page to send a pre-filled message (customization encouraged).

*Residents of the following states may take action on this alert page: Arkansas, California, Connecticut, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nevada, New York, Ohio, Oklahoma, South Carolina, Texas, Vermont, Washington, Wisconsin, West Virginia (states with legislators on the NCOIL P&C Committee).

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