@plainoldme,
I can identify with your experience. Many years ago, we lived in a suburb of a major city in the west, and like most suburbanites, we had a family dog in the back yard. Not a mean or vicious dog at all, and not a huge dog, just a little territorial, actually just a border collie husky mix. While we were gone, a kid from out of town came to visit his grandmother that lived down the street a few houses, not even a person we knew well at all. While there, he wandered down the street and came to our backyard fence while we were gone, reached his arm over the fence to pet a seemingly nice dog. Our dog merely nipped him on the arm, thats all, nothing serious. Guess what, the kid gets taken to the emergency room and treated, costing about a hundred bucks or so. The kid's family then called and got our insurance company identification, called them, and filed a claim. I talked to the insurance company about it and explained that our yard was fenced and that the kid had no permission to be there and was trespassing into our back yard when he reached over the fence, so I did not think they should pay the hospital charges. What did they do? They paid it and then a month or so later, they canceled my homeowners insurance. When I called, they very plainly explained that their company allows one dog bite, thats all, and no protestation by me made a difference. I asked if I should have had a sign on my fence that said "Beware of Dog?" They said no, that is like admitting that you know your dog might bite, so don't do that. I told them that okay, that is your decision, but be aware that I will never recommend your company to anyone for any insurance at all. The company was Safeco, for anyone wondering.