Home insurance providers vary in their dog-bite protection coverage, with some not covering properties occupied by certain breeds. Brad Reinke, the owner of two pit bulls he says have never bitten anyone, must give up his insurance or his dogs because of his carrier's restrictions.
“Due to a potential liability hazard, the aggressive dog should be removed from the premises,” the letter from Shelter Insurance Companies read. “No aggressive dog or aggressive breed of dog should replace this dog.”
According to AVMA data, some 4.7 million human dog bites occur every year in the U.S. Insurance Information Institute Vice President Loretta Worters says that while some insurers have strict breed bans, others consider animals on a case-by-case basis. "The most dangerous dogs are those that fall victim to human shortcomings such as poor training, irresponsible ownership and breeding activities that foster viciousness," she said.
Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2012, costing more than $489 million, according to the Insurance Information Institute (III). There were 16,459 dog bite claims last year. The average cost of settling those claims was $29,752.