In all my life of being around dogs, I've been bit, snapped at, and chased by what...... SMALL dogs.

My old neighbors Cocker Spaniel bit their youngest daughter in the face. She almost lost her eye. They gave the dog away to an old couple with no kids and the dog is happy.

They had golden retrievers after that and the dogs would let the kids practically roll all over them and these dogs were HUGE!

Same with my new neighbors Malamutes when they were alive.

I'm not saying small dogs are bad.. again, I feel it's the owners responsibility.

But when I have to protect myself and my dog (Kia ran away in fright from a Terrier mix that charged us), I roll my eyes at these insurance companies. Proves how much they know......