My son Adam is a trauma nurse. I recently asked him how many children are treated for dog bites at the ER where he works. "It happens all the time," he said. "Usually, it’s a young kid or a toddler.

Your dog may be your best friend, but it’s not everyone else’s — and if it bites someone, you’ll be in for some tough times, emotionally and financially. This is when your homeowners or renters ...