Although dogs are considered man’s best friend, they’re also a significant source of insurance claims, especially for homeowners. In 2016 alone, dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars, costing more than $600 million, according to the Insurance Information Institute (I.I.I.) and State Farm, the largest writer of homeowners insurance in the United States.

The category of “other” dog-related injuries generally includes dogs knocking down children, cyclists, and the elderly, for example, all of which can result in fractures and other blunt force trauma injuries. The category also includes U.S. Post Office worker attacks, many of which take place while mail is being delivered to a dog owner’s residence.

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