Insurance carriers do ban certain breeds, but that's for pets, as soon as an animal is designated an ESA, then they are no longer considered pets. 

That includes legal defense fees to be paid by their insurance carrier.

State Farm is the only carrier I know that doesn't have a breed exclusion or limitation.

Most insurance carriers will want to know that you are confirming the batteries are good every 6 months.  

When I have a "for rent" sign out, it doesn't have any of that info so them asking and repeating would not be so odd, especially with cell phone service being spotty in many locations with the cheap carriers. 

The insurance carrier would likely tell the HOA to enforce the covenants or be dropped by them. 

Then, you can just stick your package/letter in any USPS box or leave it for your letter carrier to take. 

Compare this to the insurance industry - if carriers refused to provide Coverage for anyone who had a prior claim, then none of us would have insurance.  

Im sure the credit institutions understand the effects that we all endure....To add fuel to the fire, what would happen to these large mullti- families if one becomes known as a large carrier for a pandemic virus?

Make sure you have her call her insurance carrier!