Let’s end exclusionary breed restrictions in housing insurance

because excluding my dog is excluding me

It’s not just about dogs, it’s about people

The insurance industry uses arbitrary dog breed lists to deny homeowners and renters insurance coverage and discriminate against insurance consumers. You can stop this practice by writing your insurance commissioners to file a complaint.

Dog-owning insurance consumers often find out too late about dog breed restrictions, leaving them with two choices: either go underinsured or uninsured, or end their relationship with their beloved pet.

No one should ever have to make that choice, especially not at a time when so many already face housing insecurity.

Every state and US territory has a dedicated commissioner who wants to know about your experience with housing insurance discrimination.

Find your local Insurance commissioner below and tell them your story. Together, we can end housing insurance breed restrictions.

Sample Letter or Email

Date:

To: NAME OF COMMISSIONER (listed below)
From: YOUR NAME & ADDRESS
Re: DENIAL BASED ON BREED – INS. CO. NAME (& ADDRESS IF AVAILABLE)

Dear [INSURANCE COMMISSIONER NAME]:

I am writing to you because [INSURANCE COMPANY NAME’S] has denied me insurance coverage because my pet dog is assumed to be a risk. [INSURANCE COMPANY] discriminated against me solely because of a breed label as they have never met my dog nor does my dog have any history of causing injury.. . I am a loving and responsible dog owner. When insurance companies exclude my dog they are excluding me. ” *Then you can go on to tell your commissioner about your dog and how important your dog is to you and your family. You can also talk about how being denied insurance has affected you.

Physical appearance and breed labels do not predict behavior. It is my hope that you will consider the information I have included and prohibit insurance companies from discriminating against pet owners like me.

To include references you can either download and print PDF to mail, download and attach PDF to your email, or provide the following link to the PDF in your letter http://bit.ly/3eZ8vcK

Thank you in advance for your cooperation and prompt attention to this matter.

Sincerely,

[YOUR NAME]

also consider including a photo of you and your dog.

Tips for Filling Out Complaint Form

Complaint forms can seem lengthy and daunting. They ask for copious amounts of information. i.e. the name of the insurance company that denied you insurance, their address, their phone number, a policy number. However, only a few fields are actually required to submit. If you don’t have the additional information readily available, skip it. Most importantly you want to make your point in the “details of the complaint” and “desired resolution” sections. 

Here are are examples on how to respond to those two sections.

 Details of Complaint:

“[INSURANCE COMPANY NAME’S] has denied me insurance coverage because my pet dog is assumed to be a risk. [INSURANCE COMPANY] discriminated against me solely because of a breed label as they have never met my dog nor does my dog have any history of causing injury. I am a loving and responsible dog owner. When insurance companies exclude my dog they are excluding me. ”

Then you can go on to tell your commissioner about your dog and how important your dog is to you and your family. You can also talk about how being denied insurance has affected you.

Desired Resolution:

Physical appearance and breed labels do not predict behavior. It is my hope that you will consider the information I have included and prohibit insurance companies from discriminating against pet owners like me. You can include this link for your commissioners to reference the research: http://bit.ly/3eZ8vcK 

Upload Section:

Your complaint form may have an upload section. Here you want to include proof of denial, if you have it. Including screenshots from insurance websites showing you were denied. You can upload a photo of you and your dog. You can also attach this downloadable PDF of research supporting your claim.

Tips for Animal Welfare Workers

There are many ways you can let your insurance commissioner know how breed restrictions affect your community.

Complaint forms are reserved for people who have been denied coverage but you can reach out via email, mail, or phone using the contact information for your state. Tell your local insurance commissioner how members of your community have been forced to give up their family pet because of these exclusionary and discriminatory policies.

Find your local insurance commissioner

Write a letter, send an email, call, or fill out a complaint form.
If you have questions or need assistance, contact us directly at 845-868-7559 or info@dogspeopleandhousinginsurance.org.

states A-K

states L-O

states P-W

A-K

Alabama

Jim RidlingCommissioner of Insurance

Phone: 334-269-3550 or 1-800-433-3966

FAX: 334-269-3550

Email: ConsumerServices@insurance.alabama.gov

Complaint Form 

Printable Form

Alabama Department of Insurance
201 Monroe Street, Suite 502
Montgomery, Alabama 36104

Alaska

Lori Wing-HeierDirector of Insurance

Phone: 907-269-7900 or 1-800-INSURAK in-state, outside Anchorage

Fax: 907-269-7910

Email: insurance@alaska.gov

Complaint Form 

Printable Complaint Form

Mailing Address: 550 W 7th Ave., Suite 1560
Anchorage, AK 99501-3567

American Samoa

Peni ‘ben’ Itula Sapini Teo – Insurance Commissioner (Western Zone)

Main 684-633-4116

Fax 684-633-2269

Email: peni.teo@go.as.gov 

Mailing:Office of the Governor

American Samoa Government

A P Lutali Executive Office Building

Pago Pago, American Samoa 96799

Arizona

Evan DanielsDirector of Insurance

Phone: 602-364-3100 or 800-325-2548

Fax 602-364-3470

Email: insurance.consumers@difi.az.gov

Complaint form 

Mailing Address: Arizona Department of Insurance

100 North 15th Avenue Suite 261 Phoenix, Arizona 85007-2630

Arkansas

Alan McClainCommissioner of Insurance

Phone: 501-371-2600 or 800-282-9134

Fax 501-371-2618

Email: insurance.consumers@arkansas.gov 

Complaint Form 

Mailing Address: Arkansas Department of Commerce

Arkansas Insurance Department

1 Commerce Way, Bldg 4, Suite 502

Little Rock, Arkansas 72202

California

Ricardo LaraCommissioner of Insurance

Phone Main: 916-492-3500

Fax 916-445-5280

Consumer Hotline: Out-of-state: 213-897-892, In State: 800-927-4357

Email: Contact Us

Complaint Form  

Printable Complaint Form

California Department of Insurance

300 Capitol Mall, Suite 1700

Sacramento, California 95814

Colorado

Michael ConwayCommissioner of Insurance

Phone: 303-894-7490 (Consumer Services), or 800-930-3745

Fax 303-894-7455

Email: DORA_Insurance@state.co.us

Complaint Form  

Printable Complaint Form

Mailing Address: Department of Regulatory Agencies
Division of Insurance
1560 Broadway, Suite 850
Denver, Colorado 80202

 

Connecticut

Andrew MaisCommissioner of Insurance

Phone: 800-203-3447 or 860-297-3900

Fax 860-566-7410

Email: insurance@ct.gov

Complaint Form 

Downloadable Form

Mailing Address: Connecticut Insurance Department 

P.O. Box 816
Hartford, CT 06142-0816

Delaware

Trinidad NavarroInsurance Commissioner

Phone: 302-674-7300 or 800-282-8611

Fax 302-739-5280

Email: Insurance.Commissioner@delaware.gov

 Complaint Form 

Mailing Address: Delaware Department of Insurance 

1351 West North Street, Suite 101
Dover, DE 19904

District of Columbia

Karima M. Woods, Acting Commissioner 

Phone: 202-727-8000

Email: disbcomplaints@dc.gov

Online Complaint Form  

Printable Complaint Form

Spanish Printable Complaint Form 

Mailing Address:

Government of The District of Columbia Department of Insurance, Securities and Banking, 1050 First Street, NE, 801, Washington, DC 20002

Florida

David AltmaierCommissioner of Insurance Regulation

Main: 850-413-5914

Toll Free Phone: 1-877-MY-FL-CFO, or 1-877-693-5236

Fax 850-488-3334

Email: consumer.services@myfloridacfo.com

Complaint Form 

Mailing Address: Florida Department of Financial Services
Division of Consumer Services
200 East Gaines Street, Rm 101A

Tallahassee, FL 32399-0322

Georgia

John King  – Insurance and Safety Fire Commissioner

Phone: 404-656-2070 or 800-656-2298

Fax 404-657-8542

Email: Executive@oci.ga.gov 

Complaint Form 

Mailing Address: Office of Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334

Guam

MICHELLE B. SANTOS – Banking and Insurance Commissioner

Main 671-635-1816

Fax 671-633-2643)

Email: Michele.Santos@revtax.guam.gov

Mailling Address: Regulatory Division
PO Box 23607
GMF Barrigada, Guam 96921

Street Address
1240 Army Drive
Barrigada, Guam 96913

 

Hawaii

Colin M. Hayashida – Insurance Commissioner

Phone: 808-586-2790

Fax 808-586-2806

Email: insurance@dcca.hawaii.gov

Complaint Form – Green (short)

Printable Form

Mailing Address: Hawaii Dept. of Commerce & Consumer Affairs
Insurance Division
PO Box 3614
Honolulu, Hawaii 96811-3614

Idaho

Dean CameronDirector of Insurance

Phone: 208-334-4250 or 800 721-3272

Fax 208-334-4398

Email: dean.cameron@doi.idaho.gov 

Online Complaint Form 

Printable Complaint Form

Mailing Address: Idaho Department of Insurance
PO Box 83720
Boise, Idaho 83720-0043

Illinois

Dana Popish Severinghaus, Acting Director of the Illinois Department of Insurance

Phone:  217-558-2757 or 312-814-2420

Fax 217-782-5020 

Email: DOI.Complaints@illinois.gov 

Online Complaint Form 

Printable Complaint Form – English 

Printable Complaint Form – Spanish 

Illinois Department of Insurance
320 W. Washington Street, 4th Floor
Springfield, Illinois 62767-0001

Indiana

Stephen RobertsonCommissioner of Insurance

Phone: 317-232-2385

Fax 317-232-5251

Email: DOI@idoi.in.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: IDOI
Attn: Consumer Services Division
311 W. Washington Street, Suite 300
Indianapolis, IN 46204-2787

Iowa

Doug OmmenCommissioner of Insurance

Phone: 515-654-6600 or 877-955-1212

Fax 515-654-6500

Email: insurance@iid.iowa.gov

Online Complaint Form 

Mailing Address: Iowa Insurance Division

1963 Bell Avenue, Suite 100

Des Moines, Iowa 60315

Kansas

Vicki SchmidtCommissioner of Insurance

Phone: 785-291-3299 or 800-432-2484

Fax 785-296-7805

Email: kid.commissioner@ks.gov

Online Complaint Form 

Printable Complaint Form

Spanish Printable Complaint Form 

Mailing Address: Kansas Insurance Department
1300 SW Arrowhead Road
Topeka, Kansas 66604-4073

Kentucky

Sharon ClarkCommissioner of Insurance

Phone: 502-564-3630 or 800-595-6053

Fax 502-564-1605

Email: DOI.ConsumerComplaints@ky.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Kentucky Department of Insurance

PO Box 517

Frankfort, Kentucky 40602-0517

L-O

Louisiana

James DonelonCommissioner of Insurance

Phone: 225-342-5900 or 1-800-259-5300 or 800-259-5301

Fax 225-342-8622

Email: commissioner@ldi.la.gov

Online Complaint Form – Green (a lot of fields but most not required) 

Printable Complaint Form

Mailing Address: Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, Louisiana 70804-9214

Maine

Eric CioppaSuperintendent of Insurance

Phone: 207-624-8475 or 800-300-5000

Fax: 207-624-8599

E-Mail: Eric.A.Cioppa@maine.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Department of Professional & Financial Regulation
Bureau of Insurance
#34 State House Station
Augusta, ME 04333-0034

Maryland

Kathleen Birrane – Commissioner of Insurance

Phone: 410-468-2000 or 1-800-492-6116

Fax 410-468-2038

Email: insurance.mia@maryland.gov

Online Complaint Form 

Printable Complaint Form

Spanish Printable Complaint Form

Mailing Address: Maryland Insurance Administration
200 St. Paul Place, Suite 2700
Baltimore, Maryland 21202

Massachusetts

 

Gary AndersonCommissioner of Insurance

Phone: 617-521-7794 or 877-563-4467

Fax 617-753-6830

Email: gary.d.anderson@mass.gov

Online Complaint Form Yellow 

Printable Complaint Form

Mailing Address: Office of Consumer Affairs and Business Regulation (OCABR)

Massachusetts Division of Insurance

1000 Washington Street, 8th Floor

Boston, Massachusetts 02118-6200

Michigan

Anita FoxCommissioner of Insurance

Phone: 517-284-8800 or 877-999-6442

Fax 517-284-8837

Email: DIFSComplaints@michigan.gov

Online Complaint Form

Printable Complaint Form

Mailing address: Dept. of Insurance & Financial Services

PO Box 30220

Lansing, Michigan 48909-7720

Minnesota

Grace Arnold

Temporary Commissioner

Phone: 651-539-1500 or 800-657-3602

Fax 651-539-1547

Email: commissioner.commerce@state.mn.us

Online Complaint Form 

Mailing Address: Minnesota Department of Commerce
85 7th Place East, Suite 280
St. Paul, Minnesota 55101

Mississippi

Mike ChaneyCommissioner of Insurance

Phone: 601-359-3569 or 800-562-2957

Fax 601-359-2474

Email: mike.chaney@mid.ms.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Mississippi Insurance Department
PO Box 79
Jackson, Mississippi 39205

Missouri

Chlora Lindley-MyersDirector of Insurance

Phone: 573-751-4126 or 800-726-7390

Fax 573-526-3416

Email: consumeraffairs@insurance.mo.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Missouri Department of Commerce and Insurance (DCI) PO Box 690, Jefferson City, MO 65102-0690

Montana

Troy DowningCommissioner of Securities and Insurance, State Auditor

Phone: 406-444-2040 or 800-332-6148

Fax 406-444-3497

Email: troy.downing@mt.gov

Online Complaint Form 

Mailing Address: Office of the Commissioner of Securities & Insurance, State Auditor
840 Helena Avenue
Helena, Montana 59601

Nebraska

Bruce RamgeDirector of Insurance

Phone: 402-471-2201 or 877-564-7323

Fax 402-471-4610

Email: DOI.ConsumerAffairs@nebraska.gov

Online Complaint Form 

Printable Complaint Form

Spanish Printable Complaint Form

Mail:
Nebraska Department of Insurance
P.O. Box 82089
Lincoln, NE 68501

Nevada

Barbara RichardsonCommissioner of Insurance

Phone: 775-687-0700 or 888-872-3234

Fax 775-687-0787

Email: insinfo@doi.nv.gov 

Online Complaint Form  

Printable Complaint Form

Mailing Address: Department of Business & Industry, Division of Insurance
1818 E. College Pkwy., Suite 103
Carson City, NV 89706

New Hampshire

Chris NicolopoulosCommissioner of Insurance

Phone: 603-271-2261 or 800-852-3416

Fax 603-271-1406

Email: consumerservices@ins.nh.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, New Hampshire 03301

New Jersey

Marlene CarideCommissioner of Banking and Insurance

Phone: 1-800-446-7467 or 609-292-7272

Fax 609-984-5273

Email: galw.simon@dobi.nj.gov

Online Complaint Form  

Printable Complaint Form

Mailing Address:
State of New Jersey
Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, New Jersey 08625-0325

New Mexico

Russell Toal Superintendent of Insurance

Phone: 505-827-4601 or 1-855-4ASK-OSI (1-855-427-5674)

Fax 505-827-7434

Email: osi.consumer@state.nm.us

Online Complaint Form 

Mailing: Office of Superintendent of Insurance

PO Box 1689

Santa Fe, New Mexico 87504-1689

New York

Linda LacewellSuperintendent of Financial Services

Phone: 1-800-342-3736 or 212-709-3500

Fax 212-709-3520

Email: consumers@dfs.ny.gov 

Online Complaint Form 

Printable Complaint Form (many language options) 

Mailing Address: New York State Department of Financial Services
1 State Street
New York, New York 10004-1511

North Carolina

Mike CauseyCommissioner of Insurance

Phone: 919-807-6000 or 800-662-7777 or 800-546-5664

Fax 919-715-8889

Email: Joyce.Johnson@ncdoi.gov (Deputy Commissioner, Consumer Services)

Online Complaint Form 

Printable Complaint Form

Mailing Address: NC Department of Insurance
1201 Mail Service Center
Raleigh, North Carolina 27699-1201

North Dakota

Jon GodfreadNorth Dakota Commissioner of Insurance

Phone: 701-328-2440 or 800-247-0560

Fax 701-328-4880

Email: insurance@nd.gov

Online Complaint For

Mailing: North Dakota Insurance Department

State Capitol, Fifth Floor

600 E. Boulevard Avenue, 5th Floor

Bismarck, North Dakota 58505-0320

Ohio

Judith FrenchDirector of Insurance

Phone: 614-644-2658 or 800-686-1526

Fax 614-644-3743

Email: consumer.complaint@insurance.ohio.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Ohio Department of Insurance
50 West Town Street
Third Floor, Suite 300, Columbus, Ohio 43215

Oklahoma

Glen MulreadyCommissioner of Insurance

Phone: 405-521-2828 or 800-522-0071

Fax 405-521-6635

Email: glen.mulready@okhouse.gov

Online Complaint Form  

Printable Complaint Form

Mailing Address: Oklahoma Insurance Department
400 NE 50th Street
Oklahoma City, OK 73105

Oregon

Andrew StolfiCommissioner of Insurance

Phone: 503-947-7980 or 888-877-4894

Email: DFR.InsuranceHelp@oregon.gov

Online Complaint Form  

Printable Complaint Form

Spanish Printable Complaint Form

Mailing Address: Oregon Division of Financial Regulation
P.O. Box 14480
Salem, OR 97309-0405

P-W

Pennsylvania

Jessica AltmanCommissioner of Insurance

Phone: 717-787-7000 or 877-881-6388

Fax 717-772-1969

Email: ra-in-consumer@pa.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Pennsylvania Insurance Department

1326 Strawberry Square

Harrisburg, Pennsylvania 17120

Puerto Rico

Mariano Mier Romeu –  Insurance Commissioner

Phone: 787-304-8686 

Fax 787-273-6365

Email: mariano.mier@ocs.pr.gov

Online Complaint Form 

Spanish Printable Complaint Form

Mail: Office of the Commissioner of Insurance

Edifico World Plaza
268 Munoz Rivera Avenue
San Juan, Puerto Rico 00918

Rhode Island

Elizabeth Kelleher DwyerSuperintendent

Phone: 401-462-9520

Fax 401-462-9602

Email: DBR.Insurance@dbr.ri.gov

Online Complaint Form 

Mailing Address: Rhode Island Department of Business Regulation Division of Insurance
1511 Pontiac Avenue
Cranston, Rhode Island 02920

South Carolina

Raymond FarmerDirector of Insurance

Phone: 803-737-6160

Fax 803-737-6145

Email: consumers@doi.sc.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: South Carolina Department of Insurance

PO Box 100105

Columbia, South Carolina 29202-3105

South Dakota

Larry DeiterDirector of Insurance

Phone: 605-773-3563

Fax 605-773-5369

Email: sdinsurance@state.sd.us

Online Complaint Form 

Mailing Address: South Dakota Department of Labor and Regulation
Division of Insurance
124 South Euclid Avenue, 2nd Floor
Pierre, South Dakota 57501

Tennessee

Carter Lawrence Commissioner of Insurance

Phone: 615-741-2241 or 800-342-4029

Fax 615-741-9006

Email: Ask.TDCI@TN.Gov

Online Complaint Form 

Mailing Address: Department of Commerce & Insurance
Davy Crockett Tower, Twelfth Floor
500 James Robertson Parkway
Nashville, Tennessee 37243-0565

Texas

Chief Deputy Commissioner – Doug Slape 

Phone: 512- 676-6000 or  800-578-4677

Fax 512-490-1045

Email: Doug.Slape@tdi.texas.gov

Online Complaint Form 

Mailing: Texas Department of Insurance
PO Box 149104
Austin, Texas 78714-9104

Utah

JONATHAN T. PIKE – Commissioner

Phone: 801-538-3800 or 800-439-3805

Fax 801-538-3829

Email: jpike@utah.com

Online Complaint Form 

Mailing Address: Utah Insurance Department

PO Box 146901

Salt Lake City, Utah 84114-6901

Vermont

Michael PieciakCommissioner of Insurance

Phone: 802-828-3301 or 800-964-1784

Fax 802-828-3306

Email: dfr.insuranceinfo@vermont.gov

Online Complaint Form  

Printable Complaint Form

Mailing Address: Department of Financial Regulation
89 Main Street
Montpelier, Vermont 05620-3101

Northern Marina Islands

MARK O. RABAULIMAN – Secretary of Commerce

Main 670-664-3077

Fax 670-664-3067

Email: secretary@commerce.gov.mp

Mailing: Commonwealth of the N Mariana Islands

Department of Commerce

Office of the Insurance Commissioner

Pohnpei Way

Capitol Hill

Saipan, MP 96950

 

Virginia

Scott WhiteCommissioner of Insurance

Phone: 804-371-9741 or 1-800-552-7945

Fax 804-371-9821

Email: sccinfo@scc.virginia.gov

Online Complaint Form

Printable Complaint Form

Mailing Address: Bureau of Insurance – SCC
P.O. Box 1157
Richmond, Virginia 23218

Washington

Mike KreidlerWashington Commissioner of Insurance

Phone: 360-725-7000 or 800-562-6900

Fax 360-586-3535

Email: MikeK@oic.wa.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Washington State

Office of the Insurance Commissioner

PO Box 40255

Olympia, Washington 98504-0255

West Virginia

James DodrillCommissioner of Insurance

Phone: 304-558-3354

Fax 304-558-0412

Email: OICConsumerServices@wv.gov

Online Complaint Form 

Mailing Address: WV Offices of the Insurance Commissioner
ATTN: Consumer Service Division
PO Box 50540
Charleston, West Virginia 25305-0540

Virgin Island (U.S.)

TREGENZA A. ROACH – Lt. Governor/Commissioner

Phone: 340-773-6459

Fax: 340-719-3801

Email: Gwendolyn.Brady@lgo.vi.gov (Director, Division of Banking, Insurance and Financial Regulation)

Printable Complaint Form

Mailing Address: Office of the Lieutenant Governor

Division of Banking, Insurance, and Financial Regulation

1131 King Street, 3rd Floor, Suite 101

Christiansted, St. Croix, VI 00820

Wisconsin

Phone: (800) 236-8517 or 608-266-3586

Fax 608-266-9935

Email: ocicomplaints@wisconsin.gov

Online Complaint Form 

Printable Complaint Form

Mailing Address: Wisconsin Office of the Commissioner of Insurance
PO Box 7873
Madison, WI 53707-7873

Wyoming

Jeff RudeCommissioner of Insurance

Phone: 307-777-7401 or 800-438-5768

Fax 307-777-2446

Email: wyinsdep@wyo.gov

Online Complaint Form

Printable Complaint Form

Mailing Address: Wyoming Insurance Department
106 East 6th Avenue
Cheyenne, Wyoming 82001