We’re Guessing They’ve Been Burned Before

I’m trying to find a renter for my father who can no longer live at home, and I realize that we also need to change his insurance. I’m talking to an insurance company when we have the following exchange.

Insurer: “I need to tell you that we have some restrictions on who you can rent to. We will not insure a property rented to college students, and tenants may not have any dogs over sixty pounds.”

Me: “Really? That seems a little limiting.”

Insurer: “Okay. I can bend a little here. If one of our agents can meet the dog, we might be able to cover a property with a dog. We will not under any circumstances insure a property rented to college students.”

My father ended up renting to a nice older lady with a lapdog.