I need to find homeowner's insurance for my apartment. I have 1 rec through Chubb but it is about 2.5xs higher than what I know friends pay for similar coverage (no dog though).
My dog has no bite history (and if you met her, would quickly see she's more likely to get bitten by a child than bite one). I have done a bunch of online searches and know that getting homeowner's insurance with one of the "bad dogs" is difficult. I have read that State Farm and All State have stopped using dog breeds as a basis for determining insurability and rely on dog bite history instead. However, I can't get either one of the agents I contacted from those companies to answer my queries. I can either stick with the one quote I have or perhaps try to see if I can get a regular policy excluding my dog and get a separate liability policy for my dog but I would prefer to just have it all inclusive.
Anyone out there have any recommendations or leads I could follow up on?