Did you know that in 2016, dog bites and dog-related injuries such as knocking down children, cyclists, and the elderly accounted for over one third of all homeowner’s claims? This includes attacks on post office workers. These claims added up to a total payout of over $600 Million. This is why homeowner’s insurance companies are so interested in the types of dogs people own as well as the number of dogs owned.
Typically, dog types such as Pit Bulls, Dobermans, German Shepards, Rottweilers, Akitas, and mixed wolf breeds are prohibited and those companies that will insure somebody who owns one of these breeds will require that the owner sign a dog liability exclusion form which means that if the dog injures somebody, the company is not liable for damages.
The number of dog bite claims has increase 18% since 2015. The average cost per claim has risen more than 70% since 2003.
What is the best way to protect you from liability due to dog related claims? By being a responsible dog owner and using common sense. For instance, when the grandparents or young children are visiting, put the dog into another room. Don’t put the dog into a situation where it feels that it has to protect you. Dog training is an easy option these days. Don’t neglect the dog. Make him part of the family, train him properly, but don’t hesitate to separate him from strangers who may be visiting.
So here is the list of states with the highest insurance claims for dog bites in the United States in 2016:
1. California (of course we are the trend setters)
3. New York
9. New Jersey