Find Your Insurance Commissioner

Every state and US territory has a dedicated insurance commissioner who wants to know about your experience with exclusionary breed restrictions. Their job is to protect you, not big business.

Click on your state in the map below to contact your local insurance commissioner. Together, we can end housing insurance breed restrictions.

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.

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 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.