Sorry about your bad luck with the insurance weasels - this is a very familiar story here in Florida. A friend of mine just got her homeowners cancelled after many years with the same company. She had never once, in all those years, filed a claim. The reason for cancellation - her 11 week old Rottie pup! Renters in my area have to be careful. too. The wrong dog can actually get you evicted - landlords can't risk losing their homeowners insurance.