Understanding Dog Bite Liability Claims: A State-by-State Analysis

The Growing Concern of Dog Bite Liability Claims

Dogs are beloved companions that bring joy and health benefits to millions of people. However, even the most docile dogs can bite when they feel threatened or are protecting their territory, owners, or food. This has led to a growing concern about dog bite liability claims, which have seen significant financial repercussions for homeowners insurance companies.

State-by-State Analysis of Dog Bite Claims

In 2018, homeowners insurers paid out $675 million in liability claims related to dog bites and other dog-related injuries, according to the Insurance Information Institute (I.I.I.) and State Farm®. California had the largest number of claims, followed by Florida, with California also having the highest average cost per claim at $45,543. This state-by-state analysis highlights the varying degrees of impact dog bite claims have across the United States.

Preventative Measures and Useful Advice

To address this issue, the American Veterinary Medical Association (AVMA), the Insurance Information Institute, State Farm®, and others have joined together for National Dog Bite Prevention Week. Pet owners are encouraged to educate themselves on how to prevent dog bites, which can significantly reduce the number and cost of liability claims. Some useful tips include socializing your dog from a young age, being aware of your dog's body language, and never leaving a baby or small child alone with a dog.