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Nathan Said:

When getting a quote for homeowners insurance, should I tell them that I have a dog or not?

We Answered:

You must absolutely say yes. If you say no & have a claim & the company finds out about the dog & that you lied (especially if the breed is on their unacceptable list) about having it, the company can declare the policy null & void (meaning that if they knew about the dog, they would have never written the policy) & give you back all your premiums paid & be done with you. There would be no coverage for your claim.
It is way to risky to lie to an insurance company, it is known as misrepresentation & you will have to tell future insurers about the misrepresentation & you will have a difficult time finding another company.
So, be honest up front. Tell the agent the truth. Call around too, different companies have different rules about dogs, what they will take, what they won't, etc.