Should you be more scared of dogs and horses – or rattlesnakes and motorcycles? The truth is: the things that scare us most are often less likely to hurt us. Here are the facts about life’s real dangers, according to the insurance statistics:

#1: Who should you be more scared of: a serial killer, or your spouse? 15,000 people are murdered in the U.S. every year but only a few hundred are victims of serial killers. In fact, spouses kill 3 times more often. But your odds don’t go up if you’re married to a serial killer. Dennis Rader killed 10 women before he was finally arrested in 2005 – but never hurt the woman he was married to for 33 years.

So, who murders more: Kids or parents? Despite the creepy poem about Lizzie Borden and her 40 whacks, parents do a lot more of the murdering. For example, 2 children under age 5 are murdered every day more than half killed by a parent.

Okay, whose bite is worse: Dog or rattlesnake? 20 people die in North America from dog bites every year – twice as many as from snakebites. But that’s small when you realize people are 100 times more likely to be bitten by dogs. So, on a per-bite basis, snakes are nearly 50 times more deadly than dogs.

According to insurance statistics, are you more likely to die riding a horse, or a motorcycle? Horses may look bigger and scarier but you’re 2500 times more likely to die in a motorcycle crash. Also, 90 percent of motorcycle victims are men while horse accidents kill 2 people a year – mostly young girls.

Finally: What’s more deadly: Bears or lightning? Marauding bears look scary on “Animal Planet,” but they kill maybe 2 people a year in the US and Canada while lightning kills more than 100.