[RemydeHaviland]

Heartbreaking story, a tragic loss of her dogs and livelihood. Hopefully the spared dogs are all ok, and the owner can begin to make her way back from this horrific event

A few thoughts on some of the sidebar commentary. A friend of mine breeds beagles and his dogs are recognized field champions. He was approached by a Japanese buyer who was willing to pay a significant sum for one of his pups. He did go through with the transaction and shipped the pup abroad. It is a statement about her dogs and reputation that she was able to attract those kinds of fees for her dogs. She deserves a lot of credit for that, and the exact prices really are not anyone's business but the buyer and seller

On the insurance topic, I happen to work in the industry - my firm does merger and acquisition transactions for insurance industry companies and while I do not sell insurance, I maintain insurance licenses. Any breeding facility of this magnitude would never be covered under a typical personal, homeowners policy. It is a commercial exposure that requires a commercial (or business policy) - the risks involved include dedicated structures, the liability of customers coming onto the property, the dogs themselves, all of the business equipment, I can go on and on. I can not comment on the cost of such a policy (it is likely less than you assume it would be) but it does require a business | commercial policy, AND an agent that has familiarity with insuring breeding facilities to ensure you get the best carrier and pricing. Any personal homeowner policy will exclude all of these exposures and if there were a claim made, and the undisclosed business discovered, would likely be denied... If she was in fact not covered, that is a terrible shame but either way that would have only provided financial indemnification - and could not replace the precious lives of the lost animals.