The Insurance Information Institute (I.I.I.) reports that dog-bite claims for U.S. insurers rose 5.5 percent in 2013 to 17,359. These assaults cost insurers $483.7 million, with the average cost per claim in New York State reaching $43,122, higher than the nationwide average of $27,862 per claim. These claims accounted for about 33 percent of homeowners' liability claims costs in 2013, according to the I.I.I. The average cost paid out for dog bite claims nationwide fell in 2013 to $27,862 from $29,752 in 2012, according to the Institute's study. Insurers are very likely to see this as a positive development, as they want to prevent dogs from taking a bite out of their bottom lines.