Insurers within the U.S. paid out about $1.6 billion in dog-related harm claims in 2024, in keeping with information compiled by the Insurance coverage Info Institute (Triple-I) and State Farm.
The variety of canine chew and associated harm claims final yr totaled 22,658, a rise of almost 19% from 2023 and a 48% enhance over the previous decade, with the whole price of claims reaching about $1.6 billion, in keeping with Janet Ruiz, director of strategic communications at Triple-I.
The common price per declare elevated 18%, from $58,545 in 2023 to $69,272 in 2024. The associated fee has gone up about 86% over the past decade. California, Florida and Texas topped the listing for many claims.
The report was launched along side Nationwide Canine Chunk Prevention Week (April 13-18).
Canine bites stay a severe public well being threat, with greater than 4.5 million individuals—principally youngsters—bitten every year nationwide.
Almost half (45.5%) of U.S. households embody canine, for a complete of almost 90 million canine companions in america.
In accordance with Triple-I, owners and renters insurance coverage insurance policies often cowl canine chew legal responsibility authorized bills, as much as the legal responsibility limits (usually $100,000 to $300,000). The canine proprietor is answerable for all damages the declare restrict. No less than two states, Pennsylvania and Michigan, have legal guidelines that prohibit insurers from canceling or denying protection to homeowners of specific canine breeds. Some states might exclude protection after a canine chew, resembling Ohio, which additionally requires homeowners of canine which were categorised as vicious to buy no less than $100,000 of legal responsibility insurance coverage.
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