Insurers within the U.S. paid out about $1.6 billion in dog-related harm claims in 2024, in line with information compiled by the Insurance coverage Data Institute (Triple-I) and State Farm.
The variety of canine chew and associated harm claims final 12 months totaled 22,658, a rise of almost 19% from 2023 and a 48% improve over the previous decade, with the entire price of claims reaching about $1.6 billion, in line with Janet Ruiz, director of strategic communications at Triple-I.
The typical 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 checklist for many claims.
The report was launched along with Nationwide Canine Chew Prevention Week (April 13-18).
Canine bites stay a critical public well being threat, with greater than 4.5 million individuals—largely youngsters—bitten annually nationwide.
Almost half (45.5%) of U.S. households embody canine, for a complete of almost 90 million canine companions in the USA.
In line with Triple-I, owners and renters insurance coverage insurance policies normally 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 house owners of specific canine breeds. Some states may exclude protection after a canine chew, comparable to Ohio, which additionally requires house owners of canine which were labeled as vicious to buy at the least $100,000 of legal responsibility insurance coverage.
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