I have State Farm and when I told them I had Cairn Terriers,
they asked me all kinds of detailed questions. Such as
a description of the breed and size, were they friendly,
likely to bite, etc. I'm not sure if that's just standard procedure
or if "terrier" in the name sends off warning signals. I
had no need to lie nor would I have. They took my word
that they were friendly and wouldn't bite anybody, which
they wouldn't, and I had no issue getting the insurance.

My concern would be that if you lie though and say you don't
have a certain breed and you do, then if something should
happen, like your house burns down, will they be able to get out
of paying, if they should discover you lied about having a certain
breed of dog. Would that not make the contract null and void
with them?

Par...