Do I have to tell my homeowners insurance that I have a dog?
You must always be truthful with your insurance company in responding to any questions they ask to underwrite your policy. At a minimum, an omission may disqualify you from coverage under your homeowners insurance policy. In a worst-case situation, it may be construed as insurance fraud if you are intentionally deceiving your insurance company.
Not all homeowners insurance companies will increase your premium or refuse to you insure you based on your dog. Underwriting guidelines vary from company to company and some may happily insure you knowing you have a dog and may not even increase your premium. It is true that some insurers are cautious about insuring certain breeds of dogs perceived to be aggressive, but you will not know until you disclose the fact that you have such a dog. To not disclose this information is dishonest and will likely have serious consequences.