Dog bites accounted for 1/3 of all homeowners insurance claims paid in 2014. The total amount paid in 2014 was a whopping $530 million. (1) In 2017, the amount grew to $686 million.(2) However, with forest fires and hurricanes, the percentage of total claims was less. There were 18.522 insurance claims for dog bites in 2017. The two leading states for dog bite claims are California and Florida.
Apparently nothing was paid for a man biting a dog. Sorry, old Vaudeville joke.
There are dog bite laws and negligence laws that impose liability on dog owners.
Claims represent only a small fraction of dog bites. According to the CDC, there are roughly 4.5 million dog bites each year in the US. That’s one in every 72 people getting bitten.
Amusingly, the dog at the top of the list for biting is the Chihuahua.(3)
If you own a home and you wonder why your insurance rates are as high as they are, well, do you own a dog? How much effort have you put into training that dog?
Estimated Number And Cost Of Dog Bite Claims Nationwide, 2003-2017 (1)