Insurers within the U.S. paid out about $1.6 billion in dog-related damage claims in 2024, in line with knowledge compiled by the Insurance coverage Info Institute (Triple-I) and State Farm.
The variety of canine chew and associated damage claims final 12 months totaled 22,658, a rise of almost 19% from 2023 and a 48% improve over the previous decade, with the overall 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 together with Nationwide Canine Chew Prevention Week (April 13-18).
Canine bites stay a severe public well being threat, with greater than 4.5 million individuals—largely kids—bitten annually nationwide.
Practically half (45.5%) of U.S. households embrace canine, for a complete of almost 90 million canine companions in america.
In keeping 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. A minimum of 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 might exclude protection after a canine chew, reminiscent of Ohio, which additionally requires house owners of canine which have been categorized as vicious to buy not less than $100,000 of legal responsibility insurance coverage.
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