I was just listening to a podcast where the guest was saying that any information the property owner volunteers can be considered a "deliberate act" (that is probably not the exact term, but I forget) which allows my insurance carrier to deny any claim.Second, my W2 job is such that I cannot easily miss work, outside of paid vacation (which is scheduled months in advance), I only get 3 personal days per year and I try to reserve those for weddings/funerals/family emergencies.Despite those concerns however, I will probably end up writing the letter. 

Each policy is so specific to each policy owner and property, it's tough to know which policy will cover what without getting it directly from the carrier or agent.

I just wrote one in CT that one of our carriers for $400,000 RC was $100 less than the next best rate which was based on $110,000 ACV for the same property.The second item that was confusing is what the payout will be.

Inform your Insurance carrier that you are renting this out as a STR.

They quoted me rates that we half of other carriers & they were very responsive/quick w/quote. 

If you want to voluntarily expose yourself to additional risk (based on actuarial data, not anecdotal evidence about dogs you've personally owned), then that is your right as a business owner.The issue is that this breed comes with it an inordinate amount of risk compared to the relatively small benefit of allowing them.You've heard the reasons people (and their insurance carriers) have for excluding them. 

Make the PM Company file an insurance claim with their E&O carrier on the matter or they can split the cost with you. 

Your premium will likely adjust and if you have too many claims in too short of time then you will be dropped from carrier and have to shop for insurance in second tier market (more money, less service).

It was a tough to insure property, so the carrier ended up being Lloyds of London.1/3 off for 20x the coverage...Insurance brokers don't have a rate advantage, meaning ABC Carrier's rate is ABC Carrier's rate no matter if you go through a broker or call them directly, assuming you are comparing apples to apples and no one is upselling extra stuff.

Account ClosedIn-wall concealed water carrier system supply?