I worked at a retail store for many years. The manager would often bring her dog in to work with her. Apparently, she irked a customer, and someone reported the dog to the building's insurance company. Don't ask me how; I'm still baffled by this customer's ingenuity. The insurance company sent someone out to check it out. It was absurd; the dog was this teeny tiny little Shih Tzu and the only harm it might do was pee on the carpet if it got too excited. Those dogs don't even have teeth! But in the end, the insurance changed because of that silly little dog. I suppose the insurance companies are just trying to recoup their cost from dumb, irresponsible dog owners who let their dogs jump on kids and bite people. I know some people lie about their dog breeds, like they'll call a pit bull a "terrier mix" and they get away with that. If you are a responsible person and teach your pets how to behave, a little white lie won't send you to hell.