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It's not the breed, it's the dog bite

Dog bites can impact bite victims even after scars heal, so use caution around canines.

Liability insurance for dog bites

One of the most traumatizing accidents that can happen to anyone is being bitten or injured by man's best friend. Dog-related injuries result in physical and emotional scars to the victim. For the dog, it can result in abandonment or euthanasia. While an overwhelming majority of interactions with dogs don't result in injury, most dog bites could be prevented by practicing responsible pet ownership.

Dog bite facts

The following information was provided by State Farm® and the Insurance Information Institute (III):

  • Among children, the rate of dog bite injuries is highest for those 5 to 9-years-old. Children should be carefully monitored around dogs. Many dog bites to children occur from dogs considered otherwise friendly. Children should never be left unsupervised with a dog, even if the dog lives in the same house. These tips are more important than ever — according to the National Institute of Health, emergency rooms are seeing an increase of children with dog bites since the start of the COVID-19 pandemic.
  • Liability claims related to dog bites and other dog-related injuries cost homeowners insurers over $853 million in 2020.
  • In 2020, State Farm alone paid $157 million dollars for 3,185 dog bite and injury claims.
  • The number of dog bite claims nationwide decreased to 16,991 in 2020 from 17,802 in 2019 according to an analysis of homeowners insurance data.

Dog bites and insurance

State Farm does not ask what breed of dog is owned when writing homeowner or renters insurance. Just like humans, dogs are individuals. Every dog has a unique personality. While a dogs’ breed may dictate what the dog looks like, how a dog reacts to people or situations isn’t guaranteed by breed or type. Most bites or serious injuries are a perfect storm of situation and circumstance. Responsible dog ownership and educating children and adults about how to safely interact with a dog will help reduce the chance of a dog bite or injury. Remember, under the right circumstances, any dog can bite.

Insurance is an important aspect to being a responsible dog owner. When renting a property make sure to have rental insurance because most landlords do not provide coverage should there be a dog bite incident. If you are a homeowner, talk to your insurance agent about what is covered under a standard homeowners policy related to dogs.

You may also want to consider the importance of your dog having insurance of their own. State Farm is working with Trupanion, a leader in high-quality insurance for cats and dogs, to help protect your pet from new and unexpected illnesses and injuries. Discover how a pet insurance policy can be there for your pet during their lifetime. Talk to a State Farm agent or get a free, no-obligation quote online today.

Terms and conditions do apply. We love informed decisions. See the Trupanion policy for full coverage details.

Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.



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