Dog Bites and Home Insurance Claims

THEY'RE CUTE AND MAKE GOOD FRIENDS... BUT IF YOU'RE ONE OF THE 46-MILLION AMERICAN HOUSEHOLDS WITH A DOG -- INSURING YOUR HOME COULD WIND UP COSTING YOU MORE... 

STAFFORDSHIRE TERRIERS, DOBERMAN PINSCHERS, ROTTWEILERS, GERMAN SHEPERDS, CHOWS, GREAT DANES, PRESA CANARIOS, AKITAS, ALASKAN MALAMUTES AND SIBERIAN HUSKIES ARE AMONG THE BREEDS THAT RAISE A RED FLAG WITH INSURERS...  

AND IF FIDO IS A PIT BULL, A ROTTWEILER OR A WOLF HYBRID -- YOU COULD HAVE A HARD TIME EVEN FINDING INSURANCE... THESE BREEDS ARE 'BLACKLISTED' WHICH MEANS INSURERS COULD TURN YOU DOWN.   

AND THAT COULD WIND UP HURTING... LIKE THE MORE THAN 4.7 MILLION AMERICANS -- ABOUT HALF OF THEM CHILDREN -- WHO ARE BITTEN BY DOGS EACH YEAR.   

NEARLY 56-HUNDRED OF THEM WORKED FOR THE POSTAL SERVICE...  

IN 2011, 83 DOGS TOOK A BITE OUT OF MAIL CARRIERS IN LOS ANGELES -- EARNING IT THE DUBIOUS TITLE OF NUMBER ONE CITY FOR DOG ATTACKS AGAINST POSTAL WORKERS... 

FOLLOWED BY SAN DIEGO, HOUSTON, CLEVELAND AND DALLAS.   

ALL OF THIS ADDS UP FOR INSURERS... AND HOMEOWNERS...  

IN 2011 -- DOG BITES ACCOUNTED FOR MORE THAN ONE-THIRD OF ALL HOME INSURANCE LIABILITY CLAIMS WITH THE AVERAGE CLAIM TOPPING 29-THOUSAND DOLLARS...  

FOR A GRAND TOTAL OF 479-MILLION DOLLARS. 

AND THAT'S A LOT TO CHEW ON! 

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Laura Adams is a personal finance expert, award-winning author, and consumer advocate. As Senior Insurance Analyst, she represents insuranceQuotes in the media and works to make sure consumers protect their financial futures by having the right kinds of insurance.

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