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Madison, WI--The Office of the Commissioner of Insurance (OCI) cautions people to be aware of the insurance risks of pets that bite. The Centers for Disease Control (CDC) expected nearly 5 million dog bites in a 2001 report for that year, with most of the victims being children.

"Many of us are very attached to our pets," Insurance Commissioner Connie L. O'Connell says. "Protecting yourself and your family from pet attacks is important, and knowing your insurance coverage if you are attacked or if your pet attacks someone can save you heartache later."

Homeowners and renters with dogs should have liability insurance, which is standard coverage in a homeowner's or renter's policy. An insurance company may not accept an application for insurance from households that include dogs of certain breeds or pets of various types. The most frequently excluded breeds are German shepherds, pit bulls and rottweilers.

If you own one of these breeds and have difficulty finding homeowner's insurance, there are two insurance options. First, look for insurance that covers your house and the personal property you own but does not provide liability coverage. Then, continue to look for broader coverage that includes liability coverage for your household.

After an initial attack or injury involving a pet, an insurance company may cancel or refuse to renew a homeowner's or renter's policy. Some companies may renew your policy, but will rewrite it to include a provision that excludes liability involving your pet and may raise your premiums. If subsequent attacks occur, the insurance company will most likely refuse to insure your home or apartment if you choose to keep the pet.

OCI and the Humane Society offer the following tips to prevent pet attacks therefore avoiding insurance claims and bodily injury:

• Spay or neuter your pet. Altered pets are less likely to feel threatened and bite.
• Train and socialize your pet to be around people and young children. Often children cannot recognize the signs of an agitated pet and therefore are more likely to be victims of pet attacks.
• Do not disturb a sleeping pet or a pet that is caring for puppies.
• Do not approach a dog that is in a car, behind a fence or on a chain.

If pets are not covered under homeowner's or renter's policies, pet owners can be responsible for all costs, including lawsuit costs, if the pet bites someone. You should let your insurance company or agent know as soon as possible if you get a new pet.

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