The trend in jury awards and medical costs for dog bites is amean tale for carriers, according to the Insurance InformationInstitute, noting that homeowners insurance liability claims forsuch injuries are up 28 percent since 2003.

Claims for canine bites are "sinking its teeth into homeownersinsurance costs," said I.I.I., noting that they account forone-third of all homeowners insurance liability costs--totaling$387.20 million in 2008, up 8.7 percent over 2007.

The organization said its analysis found the total clawingupward even as the average cost of dog bite claims was $24,461 in2008 (the most recent figures available) down slightly from $24,511in 2007.

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