Hi, I recommend Foremost as a carrier as they would be the most acceptive of this risk.

Maria - When/if you do find a carrier to write this coverage for you, be sure to read the dog bite language in the policy before you buy it. 

Otherwise insurance carriers wouldn't spend many millions of dollars on risk management research and tools every year. 

It turns out that our insurance carrier (Mercury) dropped us (issued a non-renewal) as a result. 

Hi Whitney,Talk to an attorney local to the property.You might be able to get a financial judgement (trebled).Step one might be to get three bids on (comparable) replacement systems.American Standard, Bryant, Carrier, Lennox and Trane are names of some furance and A/C (HVAC) manufactures.And realize a new furnace A/C (HVAC) might force you to change the thermostats too (or not).Trying to figure out costs on this yourself (with any resprayed insulation up there) might be pretty tough, (plus you have to buy whatever new refrigerant is required in your area--and the new stuff can be very very expensive).You might be able to pick the brand you like best, or the one fastest installed vs the cheapest...ask an attorney.Also, in a financial judgement, you have to collect...lien their wages or bank accounts (to the extent you are allowed to do so by THEIR Locality).

This being the case, most of the time the person with the property damage will file their own claim with their own property carrier, and their carrier will take care of the damages (the fence).  

Foremost is our Go-To carrier also, but there are some others out there BUT the replacement cost limits will be noticeably lower. 

If you haven't contacted a broker you should as they should be able to find a carrier thru their networks.

Breno,Lots of carriers write in TX but I think all at least have a 1% wind/hail deductible which is tough. 

I am about to purchase property and it would be for air b&b. I am trying to see who would you recommend for liability insurance.