Back in August, we discussed something here on the insurance blog that proved a passionate topic for many: the cost of insuring dangerous dog breeds.

Now, I know how much we all love our dogs. But I was surprised at the reaction I got from that post, emotions ranging from anger against ‘discrimination’ to understanding and agreement on why some breeds of dog cost more to insure than others.

I’d like to reopen that discussion now, as I’ve been reading more on the insurance debate and the actual statistics associated with insuring against dog bite lately.

For instance, did you know that dogs cause approximately $1 billion in medical and insurance losses annually? Or that one-third of all homeowners claims involve dog bites?

Are those numbers as staggering to you as they are to me?

Insurers apparently think so. In fact, some are now choosing not to insure more dangerous dog breeds at all, while others are placing limits on coverage within each household.

On the one hand, that’s difficult to deal with if you’re the owner of a “problem dog.” On the other hand, if you live next door to one and it bites your kid’s finger off, you likely have a little different perspective on the matter.

So what does it cost to buy liability coverage for that ferocious Rottweiler, Doberman or German Shepherd?

Well, you can usually get about $100,000 worth of coverage for $700 to $1,000 per year. But many experts recommend buying three times that much coverage, just in case Fido decides to take a finger off and little Suzy has to have it reattached.

OK, so that’s a bit gross. But you get the idea: you can never be too careful around some dogs, just like I doubt you can ever buy too much liability insurance to cover them.

So read the latest stats from the CDC and others in our article, Dangerous Dogs Pose Insurance Debate, and let us know what you think. It may or may not change your opinion on the matter.