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Homeowners Basics
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Buying and Saving Money
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Home Owners Tips
 Dog bite liability
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Home Insurance - Dog bite liability |
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According to
the Centers for Disease Control and Prevention, there are approximately
4.7 million dog bites per year. These bites cost the property/casualty
insurance industry roughly $320 million in 2003.
[Dog
Liability - Video]
Homeowners and renters insurance policies typically cover dog bite
liability. The following tips can help reduce the chances of your dog
biting someone:
- Have your dog spayed or neutered. These procedures will greatly
reduce the likelihood that the dog will bite.
- Socialize your dog so that it knows how to act with other people
and animals.
- Play non-aggressive games with your dog such as "go fetch."
Playing aggressive games like "tug-of-war" can encourage
inappropriate behavior.
- Avoid exposing your dog to situations in which you are unsure
what the dog’s response will be.
Insurers may charge more for certain breeds of dogs. The following
purebreds were responsible for the greatest number of dog bite-related
fatalities over the 20 year period from 1979 to 1998, according
to the Centers for Disease Control and Prevention (
http://www.cdc.gov ).
The breeds are listed in declining order of fatalities:
- "Pit Bull"
- Rottweiler
- German Shepherd Dog
- "Husky"
- Malamute
- Doberman Pinscher
- Chow Chow
- Great Dane
- Saint Bernard
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Insurance Information Institute,
Inc. - ALL RIGHTS RESERVED
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