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Here are the national statistics on dog bite claims for the past 10 years.  Basically the trend is flat, but average cost per claim has increased significantly during this time.  Please check your homeowners policy to ensure their are no exclusions relating to animal bites.  It's always better to review before something happens!

Dog bites and other dog-related injuries accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2014, costing more than $530 million, according to the Insurance Information Institute (I.I.I.) and State Farm®. An analysis of homeowners insurance data by the I.I.I. found that while the number of dog bite claims nationwide decreased 4.7 percent in 2014, the average cost per claim for the year was up 15 percent. The average cost paid out for dog bite claims nationwide was $32,072 in 2014, compared with $27,862 in 2013. The average cost per claim nationally has risen more than 67 percent from 2003 to 2014, due to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which are still on the upswing. California continued to have the largest number of claims in the U.S. at 1,867. Ohio had the second highest number of claims at 1,009. While New York had the third highest number of claims at 965, it registered the highest average cost per claim in the country: $56,628. The trend in higher costs per claim is attributable not only to dog bites but also to dogs knocking down children, cyclists, the elderly, etc., which can result in injuries that impact the potential severity of the losses.

CALL MFS INSURANCE TODAY TO MAKE SURE YOU ARE COVERED PROPERLY WITH YOUR HOMEONWERS INSURANCE POLICY!


ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS NATIONWIDE, 2003-2014 (1)
Year Value of claims
($ millions)
Number of claims Average cost
per claim
2003 $324.2 16,919 $19,162
2004 318.9 15,630 20,406
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
Percent change, 2013-2014 9.7% -4.7% 15.1%
Percent change, 2003-2014 63.7% -2.2% 67.4
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