Local Sacramento Agent
Serving Sacramento homeowners since 2014.
Dog-Friendly Home Insurance: Keep Your Home and Your Dog
Dog Breed Restrictions? Some carriers restrict certain dog breeds. We shop multiple carriers that may accept yours. Tell us about your dog and we'll find your options.
This is homeowners insurance for dog owners, not pet or veterinary insurance. Acceptance is never guaranteed.
(916) 248-8822
- Multiple carriers compared
- Independent Sacramento agency
- License #4496253
Dropped by Your Insurance Because of Your Dog?
Some carriers deny or non-renew homeowners because of a dog's breed. A denial from one company doesn't mean every company will say no. Call us before your coverage lapses. We'll review your situation and shop carriers that may accept your dog.
Call a Licensed Agent TodayDenied Because of Your Dog?
A carrier's no is not every carrier's no. We are an independent agency, so we work for you rather than one company and compare real options for California homeowners with dogs.
Tell us about your dog
Share breed and history once. We match it to carrier rules.
Compare real options
Coverage differences explained plainly, with no promised outcome.
Local, reachable
Walk in or call our Sunrise Blvd office.
Homeowners Insurance for Dog Owners
A homeowners policy covers your dwelling, belongings and personal liability. It is different from pet insurance, which covers veterinary costs.
Dog-related liability can be limited or excluded by some carriers, depending on the dog, the property, your history and the carrier. Your agent reviews these exclusions and limits with you so there are no surprises.
Homeowners Insurance for Restricted Dog Breeds
Many carriers keep a list of restricted breeds. Breeds that are commonly restricted include:
- Pit bulls and American Staffordshire terriers
- American bullies
- Rottweilers
- German shepherds
- Dobermans
- Huskies
- Cane Corsos
- Mastiffs
- Akitas
- Chow chows
- Wolf hybrids
- Mixes of these breeds
Own one of these breeds or a mix? Tell us about your dog and we'll check which carriers' rules fit. Acceptance is never guaranteed.
Pit Bull & Rottweiler Homeowners Insurance
Pit bull and Rottweiler owners are often told no. We have confirmed that at least one carrier we work with accepts both breeds for homeowners eligibility. Whether it fits you depends on your individual dog, home and history.
We make no promise of approval. We will tell you honestly what we find.
Tell us about your dogDog Bite Liability in California
California holds dog owners strictly liable for dog bites under Civil Code 3342, regardless of the dog's history. That makes it important to know whether your homeowners policy actually covers your dog. Some policies exclude or limit dog-related liability. We review those limits with you so there are no surprises.
Dog-Friendly Home Insurance FAQ
Is this pet insurance?
No. This page is about homeowners insurance for people who own dogs, not a pet-insurance quote. Pet or veterinary insurance pays for your dog's medical care. A homeowners policy protects your house, belongings and liability, subject to its terms and exclusions.
Can I get home insurance with a pit bull or Rottweiler?
Some carriers restrict certain breeds, but at least one carrier we work with accepts both pit bulls and Rottweilers for homeowners eligibility. Acceptance still depends on your dog, your property, your history and the carrier's underwriting, so approval is not guaranteed.
I was denied because of my dog. What should I do?
Call us or send the form. As an independent agency we shop multiple carriers that may accept your dog, and we can review your options with you.
Does my homeowners policy cover dog bites?
Many homeowners policies include personal liability coverage, but some carriers exclude or limit dog-related liability, sometimes by breed or bite history. We review those exclusions and limits with you before you decide.
Do I have to list my dog's breed?
Carriers commonly ask about the dogs in your household. Tell us about your dog, including breed and any history, and we will find carriers whose rules fit.
Do you quote prices online?
No. A local agent follows up after reviewing your details. We do not promise prices or savings.
Do you serve all of California?
We serve California homeowners and are based in Fair Oaks near Sacramento.
Will my rate be higher because of my dog?
It depends on the carrier, your dog, and your home. Some carriers don't charge more for certain breeds, and others do. We'll explain what each carrier offers.
Do you work with mixed breeds?
Yes. Tell us the mix, and we'll check how each carrier treats it.
What if my dog has bitten someone?
Bite history limits your options but doesn't always end them. Tell us what happened, and we'll review which carriers may still consider your home.
I have a German shepherd, husky, or Doberman. Can you help?
Yes. These breeds are restricted by some carriers but not all. Tell us about your dog and we'll find out.
Local Sacramento Agent
Helping California homeowners and their dogs, from our Sacramento-area office.
- Sacramento
- Fair Oaks
- Carmichael
- Citrus Heights
- Orangevale
- Folsom
- Rancho Cordova
- Gold River
- Granite Bay
- Roseville
- El Dorado Hills
4201 Sunrise Blvd Suite B, Fair Oaks, CA 95628
Call a Licensed Agent Today
Call, or send your details and a local agent will follow up.