It would seem that the issue here is the size of the doggie door. Such doors come in a variety of sizes, according to the size of the dog. For example, doors for small dogs usually have an opening 5 and 1/8 inches by 7 and 5/8 inches; larger dogs would need a door in the area of 10 and 1/8 inches by 15 and ¾ inches; and even larger dogs would use a door that measures 15 and ¾ inches by 23 and ¼ inches. A motivated burglar could possibly get through a large doggie door, but if the insured has a small dog or a medium size dog, a doggie door for these animals would be just about impossible for any person to fit through. So, protective devices on the smaller doggie doors would not be necessary. As for the larger doggie doors, there are locking dog doors that unlock by a signal on a key worn on the dog's collar. That should be a sufficient protective device to afford coverage in the event of a burglary.

In this case, if the doggie door was for a very large dog, easy access to the premises is possible, so a locking device would be a necessity for the exclusion to be avoided. If the insured had a small dog, coverage would apply even if there was no locking mechanism on the doggie door.