While being a dog owner can be a great experience for you and your family, it comes with a lot of responsibility. It is not a decision to be made lightly.
According to the Insurance Information Institute, “Dog bites accounted for more than a third of all homeowner or renter policy liability claims last year, with an average claim of $24,840”. That price tag is more than some “chump change” you might have lying around the house.
While most insurance companies will cover dog bites, you are usually covered for only one free bite. After that initial bite your dog’s coverage could be dropped. There is also the possibility of higher premiums.
It is equally important to pick out the right breed for you and your family. Dogs such as pit bulls and rottweilers are charged more because they are considered more dangerous.
What Can You Do?
- Be a loving and responsible dog owner.
- Have your dog spayed or neutered. According to the article unneutered dogs bite more often.
- Be aware of children in your surroundings.
- Consider investing in a muzzle and leash.
- Have your dog properly trained to be sociable.
Perhaps adhering to these steps will lessen the chances of your dog biting someone for the first time or ever again. It’s certain that no one wants to face those high costs either.
AARP Bulletin, November 2010, page 23