Please ensure Javascript is enabled for purposes of website accessibility

Is My Dog Insurable?

Is My Dog Insurable?


Over the years there
have been countless insurance claims of dog attacks.  We cannot go a week or two without hearing of
the latest dog attack in the news and it only seems to be becoming more
frequent. Some insurance carriers have developed a list of “restricted breeds”
that they will not place homeowners’ coverage on due to the perceived
aggressive tendencies based on market research and historical behavior of
specific breeds.

Any dog has the ability to bite or harm a human; most
states across the U.S. have developed their own definition of what a “dangerous
” is considered. By defining different breeds of dogs that are “un-insurable,”
it’s becoming harder to write insurance coverage on the following breeds with
California Home Insurance Policy:




German shepherd



 Doberman Pinschers

 Chow Chow


Some states, including California have chosen to define
individual dogs as dangerous because of recorded behavior; others have chosen
to include the entire breed as “un-insurable” in their state.  These lists
do not make it impossible to insure your property while the dog is living
there, but the insurance agent and underwriter will look over each case with
extreme caution. More information can be found on the
 National Underwriter website.


If you own one of
these dogs, or are thinking about purchasing one in the future, may we suggest
you speak with your insurance agent first. If an insurance adjuster stops by your home at any time and observes one of the breeds they deem “un-insurable” on the premise, they have the ability and right to cancel your policy immediately, so this is not something that should be taken lightly. We have quite a few companies that
still offer to insure these breeds. We would be happy to answer any questions
you have – call Remland Insurance today at 714)532-3341! 


The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

Contact us Call Us