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American Kennel Club

Spending: Overlooked costs of pet ownership

The cost of owning a pet is more than food and pet insurance to cover medical bills. If you're budgeting to add a furry friend to the family, don't overlook these other expenses.

Liability insurance

Before you bring Fido home, check with your home insurer to see what impact the dog may have on your coverage. Dog bites and other dog-related injuries to people accounted for more than one-third of all homeowners-liability claims paid out in 2016, and the average dog-bite claim was $33,230, according to the Insurance Information Institute and State Farm.

To manage the risk (and depending on state law), some insurers exclude liability coverage for dogs or require owners to...