It starts out harmless enough. You have a dog that is part of your family. The dog is gentle, loving and playful. But sometimes dogs can get over-excited and nip or bite. An enthusiastic toddler might pull the dogs tail.  A teenager might tease it. Even the gentlest breeds can have anxious moments and someone can get hurt. Anyone who owns a dog should consider Dog Bite Liability Insurance. 1.       Most Homeowners Insurance policies do not cover dog bite incidences. If your dog causes harm to an individual and that individual seeks medical attention, in many states you are held responsible. The cost of hospitals, doctors and treatment could easily run $10,000 or more. 2.       If you rent an apartment, many landlords require Dog Bite Liability Insurance of their pet owning renters to protect their other tenants. 3.       If you pet has a history of aggression or has bitten someone before, it may be in your best ...