Insurance question on bulldog

[Constantia Petrou]

Hello everyone,

We are reviewing an applicant for our rental property and everything was looking great until I heard from our insurance that the prospective tenants' English/American Bulldog is not covered. The people seem great and are very qualified but obviously we cannot accommodate an animal that is not covered by our insurance. However, is there any renters' insurance that the tenant can obtain that will cover the bulldog based on animal history as opposed to based on breed? And if renters' insurance covers the dog then what is the order of payment for any potential damage- eg whose insurance kicks in first, LL or tenant? What $ level coverage should we require tenant with a bulldog to get so that our insurance never has to kick in?

Thank you all for your feedback!