Tag Archives: pets


Your annual reminder: Any dog can bite

This week is Dog Bite Prevention Week and the US Postal Service would like to remind you that although there are about 78 million good doggies here in the U.S., “any dog can bite.” They should know. Their carriers suffer about 6,000 dog attacks a year. According to the Centers for Disease Control and Prevention, about 4.5 million people are victims of dog attacks each year. The most susceptible to dog attacks are small children, the elderly and postal carriers, in that order.

The American Veterinary Medical Association (AVMA) says that most, if not all, the dog bites that occur are preventable. They tally some recent numbers: In 2017 there were nearly 350,000 people treated at hospital emergency rooms for non-fatal dog-related injuries. Of those people, there were nearly 10,600 children two years old or younger who visited emergency rooms as a result of dog bites​.

Liability Insurance and Dog Bites

Besides the human and canine trauma that can result, dog bites are also a costly problem. In 2018, dog bites and other dog-related injuries tallied $675 million in liability claims, according to the Insurance Information Institute (I.I.I.) and studies by State Farm. In terms of states, California is #1, with 2166 claims at an average claim cost of $45,542. Florida is #2, with 1281 claims at an average claim cost of $43,893. Texas, Illinois and New York round out the top five states in terms of claims counts and expenses. You can check to see where your state falls on this III interactive state-by-state dog bite liability map.

Your homeowners insurance policy will typically cover and claims related to dog bites, up to the liability limits. If you have a dog, you should talk to your agent about liability limits and also the type of dog you have. I talking about dog bite liability, III says that

“Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls. Others decide on a case-by-case basis, depending on whether an individual dog, regardless of its breed has been deemed vicious. Some insurers do not ask the breed of a dog owned when writing or renewing homeowners insurance and do not track the breed of dogs involved in dog bite incidents. However, once a dog has bitten someone, it poses an increased risk. In that instance, the insurance company may charge a higher premium, nonrenew the homeowner’s insurance policy or exclude the dog from coverage.”

See our prior post on dog breeds that are sometimes blacklisted by insurance companies.

Helpful dog bite prevention resources

Dogs attacks occur for a number of reasons. The dog may be protecting territory. They may feel threatened by strangers or startled. They may be annoyed if they are eating. American Humane offers these tips for dog owners:

  • Never leave a baby or small child alone with a dog, even if it is a family pet.
  • Interactions between children and dogs should always be monitored to ensure the safety of both your child and your dog.
  • Teach your children to treat the dog with respect and not to engage in rough or aggressive play.
  • Make sure your pet is socialized as a young puppy so it feels at ease around people and other animals.
  • Never put your dog in a position where s/he feels threatened.
  • Walk and exercise your dog regularly to keep him/her healthy and to provide mental stimulation.
  • Use a leash in public to ensure you can control your dog.
  • Regular veterinary care is essential to maintain your dog’s health; a sick or injured dog is more likely to bite.
  • Be alert, if someone approaches you and your dog – caution them to wait before petting the dog, give your pet time to be comfortable with a stranger.

Find more dog bite prevention tips:

Reprinted from Renaissance Alliance – no usage without permission.

October is Adopt a Shelter Dog Month


October is observed as Adopt a Shelter Dog Month by The American Society for the Prevention of Cruelty to Animals (ASPCA). Of course, the most fitting way to celebrate would be to actually adopt a shelter dog, but that isn’t always feasible! Don’t worry though, if you can’t physically adopt a dog there are other ways you can help out.

  1. Tweet or re-tweet messages that send people to shelter animal websites
  2. Update your Facebook status. For example: “October is Adopt-A-Shelter-Dog Month. Save a life: Adopt a dog!”
  3. Sign up to be a foster parent or shelter volunteer, or contact your local shelter or rescue group and find out ways you can help.
  4. Discuss the importance of pet adoption to your children and how helpful adopting animals is beneficial for both their lives and your own
  5. Write an ad in your local paper about the importance of adopting shelter animals

According to a poll by Edge Research, those who adopt a dog from a shelter are much more likely to feel positive about their experience, as opposed to someone who purchased a dog from a pet store.

Check out this information about pet adoption, provided by Rachel Ray:


Now, go out and adopt a shelter animal! Just kidding. But we hope this helps understand how much you are helping when you do adopt an animal.

Are you a pet owner and interested in saving 25% off every trip to the vet? Our Veterinary Discount Plan guarantees savings on your pets’ healthcare at every participating location!

As always, do not hesitate to contact an agent at Cochrane & Porter for any of your insurance needs! 781-943-1555 or info@cochraneandporter.com

How Dogs Affect Your Home Insurance

Do you have a new pet? It’s a good idea to let your insurance agent know!


It’s an exciting time when your new companion arrives home for the first time. Naturally, you’ll want to show your family and friends photos of your new friend and show him off! You’ll buy treats and food, and schedule an appointment with your veterinarian. Something you may not think of is it to inform your independent insurance agent of the new animal living in your home.

As a pet owner, you may find yourself liable for damages your dog or other pet cause. According to the Insurance Information Institute (III), dog bites and other animal-related injuries accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, which costed more than $570 million!

An important fact is many homeowners’ insurance policies do cover dog bites. The breed of the dog is also a key factor when it comes to home insurance dog restrictions. There are certain dogs that have a reputation for being aggressive, but many times those are incorrect.

The only real way to know if your pet will affect coverage is to talk with your insurance agent!

If you are a new or existing pet owner, we offer a Veterinary Discount Plan, which you simply receive 25% off every trip to the vet! Don’t forget to contact Cochrane & Porter for any of your insurance needs at 781-943-1555 or info@cochraneandporter.com.

Looking To Save 25% On Veterinary Bills?


If you are a pet owner, chances are you completely understand how expensive that bill can be after a visit to the vet. According to the APPA, Americans spent about $15.73 billion on vet care in 2015!

Here are some average costs for the following visits:
Routine veterinary exam: $20-$100
Emergency veterinary care: $0-$2,000+
Vaccinations: $60-$150

Cochrane & Porter now offers a Vet Discount Plan, which works for any visit to the vet, from routine care to major illness.

With this product, you won’t have denied claims or exclusions. It can also be used at over 5,000 participating veterinarians. It is also very simple; you just need to present your card at any participating veterinary practice and you will receive 25% off all in-house medical services.

Other important information:

  • Unlike pet insurance, the Veterinary Discount Plan does not have restrictions or paperwork
  • There is one set price for all plans
  • No co-pays
  • No deductibles
  • No claim forms
  • No age limit
  • Currently available in all US states

Click here to find a vet in your area!