The average cost of a dog-bite insurance claim was $24, 511 in 2007, according to the Insurance Information Institute, (III).
Roughly 39 percent of American households have at least one dog, according to The Humane Society of the United States. According to III, dog bite claims cost insurers about $356.2 million in 2007, up by 10.5 percent from the previous year.
Dog owners in 33 states and the District of Columbia are legally liable for deaths or injuries caused by their dogs. Pennsylvania and Michigan have laws that prohibit insurers from canceling or denying coverage to owners of specific breeds, according to III.
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