If the dog owner is liable for your injuries, a claim will be presented to the dog owner’s insurance company. The dog owners’ homeowners and renters’ insurance policies typically will cover injuries related to dog bites. The insurance company may make a settlement offer. Claims related to injuries from dog bites have increased significantly in recent years and represented more than a third of all homeowners’ insurance liability claims paid out in 2015, according to the Insurance Information Institute. The Institute reported the average cost for dog bite claims was more than $37,000 in 2015.