Everyone always asks me about Dog Bite Coverage. This post contains a ton of information about that whole issue and it is a big one. 

Most Rocklin Home Insurance Carriers Limit Coverage to only certain breeds of dogs, while others can eliminate coverage entirely.

Some of the cut-rate Rocklin Home Insurance carriers could also limit coverage. Be Careful.

Thank you Insurance Information Institute for this Report:

Sixty-two percent of U.S. households, or 72.9 million homes, own a pet, according to a 2011 survey from by the American Pet Products Association.

Over the years, many states have passed laws with stiff penalties for owners of dogs that cause serious injuries or deaths. In about one-third of states, owners are "strictly liable" for their dogs' behavior, while in the rest of the country they are liable only if they knew or should have known their dogs had a propensity to bite (known as the "one free bite" principle).



  • Lawsuits: During the summer of 2011 a Washington Superior Court jury awarded a $2.2 million verdict -- $100,000 in medical bills and $2.1 million for pain and suffering -- to a woman who was attacked in her home near Tacoma, Washington, by two neighborhood pitbulls. The plaintiffs’ attorney sued the dogs’ owners, whose homeowners policies were limited to $100,000 each, and the county for failing to declare the dogs a potential danger under a local ordinance. The county is appealing the verdict.
  • Study: The National Center for Injury Prevention and Control reports that 337,526 people in the U.S. were injured by dog bites in 2009, up slightly from 333,235 the previous year. The center is part of the Centers for Disease Control and Prevention.
  • A December 2010 report from the Agency for Healthcare Research and Quality indicates that the number of Americans hospitalized because of dog bites increased by nearly 100 percent over a 15-year period. In 2008 approximately 9,500 Americans received serious dog bites, compared with approximately 5,100 in 1993. The increase was far greater than population growth, and pet ownership increased only slightly during the period. Experts were not able to explain the increase. Children under five and adults 65 and older were more likely to be hospitalized after a bite. Nearly 50 percent of those hospitalized required treatment for skin and tissue infections and more than half received such procedures as skin grafts or wound debridement, with treatment costing an average of $18,200 per patient.
  • Claims: Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2011, costing nearly $479 million, according to the Insurance Information Institute (I.I.I.). State Farm Mutual Automobile Insurance Company, the largest writer of homeowners insurance in the U.S., paid out more than $109 million as a result of its nearly 3,800 dog bite claims in 2011. An analysis of homeowners insurance data by the I.I.I. found that the average cost paid out for dog bite claims was $29,396 in 2011, up 12.3 percent from $26,166 in 2010. From 2003 to 2011 the cost of the average dog bite claim increased by 53.4 percent. The number of claims rose 3.3 percent from 15,770 in 2010 to 16,292 in 2011. 
The report is continued --- click the link.