State Farm has never asked me about any pets, either in New York State or North Carolina. We didn't have horses in NY, but we have had as many as 5 here. I asked one time about needing anything special for the horses and the tack, etc., and they said no, unless my tack was over a certain value, which it no way is.
It's not just about an agent or even your state, although the state rules vary quite a bit. It seems like the rules for "new business" are getting very much tighter, meaning that your old policy renews just fine but that you might not be able to buy that same policy now.
This is certainly true, as well. I moved from one side of the county to the other about 3 years ago, bought new property similar to what I sold, but had to jump through many more hoops with respect to roof, plumbing, and electric to get the new house insured than I did with my previous house.
Correct me if I'm wrong, but if you are a USEF member, you have some kind of liability coverage. I can't find the info on their website, but I swear I remember seeing something in my membership packet.
Edited to add... I found it on their site.
UNITED STATES EQUESTRIAN FEDERATION MEMBERSHIP IS WORTH $1,000,000
All Senior Active, Junior Active, Life and USEF Equestrian Plus Members Automatically Receive: EXCESS PERSONAL LIABILITY
Members receive personal liability coverage with a $1,000,000 policy limit. Coverage is for claims brought against members of USEF arising from the use and/or ownership of a horse and for horse-related accidents involving bodily injury and property damage. Coverage will apply when engaged in any horse-related activity and coverage is in excess of any existing valid and collectible insurance. There is no deductible. PERSONAL ACCIDENT INSURANCE
The personal accident policy insures the member for death or permanent disability resulting from an accident anywhere in the world at the following benefit levels:
Up to $35,000 at a USEF sanctioned event
Up to $20,000 while insured is engaged in any horse-related activity worldwide
Up to $3,750 for insured person under the age of 18
My "insurance guys" wife is a dressage trainer in town. He made sure my dogs and horses were covered for on property and off. I still only pay $400 a year. Not bad at all. That even includes extra for having a stallion
So Farm Bureau won't issue homeowners ins. to horse owners. Verry interresting. Thanks for that info!
Farm Bureau is different in every state. We have had them in both Minnesota & Missouri and had horses and other livestock with no issues whatsoever. I will say that the Missouri FB in every way outshines MN FB.