I just changed homeowners coverage and I was asked a number of questions including whether I owned a dog. I suppose the agents have to ask now in view of all the idiot pit bull owners who let their dogs loose on everyone else. Anything in your home that could cause injury or damage for which the insurance company could be liable — these insurers want to know. They might have to set a higher premium or they might refuse coverage altogether.
A tip — rather than going to an agent for one insurance company, consider an independent. Independents represent more than one insurance company, so they can shop for the right coverage at the best price. My former carrier had jacked up my premium. My new insurance will be $300 less.
thank you