• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.

Announcement

Collapse

Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

Denied homeowner's insurance due to owning a horse

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #41
    We have Safeco insurance for the cars, house and an umbrella policy because of the horses here at home.

    When we moved out here to the rural area of Kansas 19 years ago Allstate would not insure the house and land. I had been with them for 15 years but at that time recent high payouts due to FL hurricanes and the fact that our rural fire department is volunteer and 10 miles away made it too risky.

    Comment


    • #42
      Originally posted by Guilherme View Post
      I get the impression that Farm Bureau is organized on a state by state basis. That would explain the TN hostility and the KY and VA non-hostility.
      .
      Agreed. In my state FB did not insure the boarding of horses (farm owner who boards just a few as kind of an added value type of thing - not a commercial boarding business). Evidently that changed in the past few years.

      Now - IF you purchase a rider, you can board a few.

      But I strongly suspect some horse farm owners just assume their policy covers their equine activities or anything else they want to do. A pretty dangerous assumption!
      Brothers and sisters, I bid you beware
      Of giving your heart to a dog to tear.
      -Rudyard Kipling

      Comment


      • #43
        Originally posted by poltroon View Post
        Fun times. I tried to move my homeowners' to State Farm after our remodel was done. Originally they wouldn't cover us because we didn't have central heat. But starting this year, they won't write new policies for dwellings that aren't within a couple miles of a full time professional fire department. So much for the "Farm" part.
        Wow, that would eliminate most of our state. I know of very few towns that have a professional fire department.
        blogging at HN: http://www.horsenation.com/
        check out my writing: http://jeseymour.com
        Just out: http://www.barkingrainpress.org/dd-p...ead-poisoning/

        Comment


        • #44
          I have Farmers (duhn duh-nuh, duhn duhn duuhn...you get the idea, I love their jingle).

          Both pickups, motorcycle, house plus belongings, small horse trailer plus $4k for theft therefrom, big trailer plus $10k for theft therefrom, roadside for everything including the trailers separately (same as US Riders, I even double checked when I was considering switching), and we've had a couple started claims. Mostly a call for a claim agent to assess damage, which is lower than the deductible, so we choose to not follow through with the claim and fix ourselves. My truck got hit in a parking lot, minor damage, and two glass claims within a short period of time when my windshield started leaking and when DH's windshield caught a boulder from the truck in front of it. No increases. I'll be checking with them for business liability type insurance when we go that route.

          They OBVIOUSLY know we have horses. Two truck, two trailers, specifically mentioned "custom tack" for the theft concerns. He never even ASKED.

          Oh, and the rate was ridiculously lower than USAA, which blew DH out of the water. I'll check with them for farm insurance though, if Farmers can't be my bestie for that anymore.
          COTH's official mini-donk enabler

          "I am all for reaching out, but in some situations it needs to be done with a rolled up news paper." Alagirl

          Comment


          • #45
            I have State Farm coverage for my auto and home. My agent only asked me about my dog and her breed...if she had been a pit I would've had to have more coverage. They never asked me about horses.
            “Riding a horse is not a gentle hobby, to be picked up and laid down like a game of Solitaire. It is a grand passion.” ~Emerson

            Comment


            • #46
              We have VA Farm Bureau - policy covers boarders (CC&C), insures older horses for general mortality, and if I needed it, would cover lessons. Have only had a couple of small claims over the years but they have always been super quick and easy to deal with. Even covered the food I had to throw away when we lost power due to the Derecho. With an umbrella policy which includes everything on the farm (house, equipment, barn, horses) we save a lot of money over having policies for each one.

              Comment


              • #47
                Really, and I have state farm and they cover the horses for no extra charge and they have never asked me what type of dogs I have. I've been with them for 13 years now. I had a dobie, and now I have a German Shepard and bloodhound but they have never asked me. Interesting. Maybe it's a state thing idk.
                Horses aren't our whole life, but makes our life whole

                Comment


                • #48
                  Originally posted by Kiwayu View Post
                  I have USAA for my car and house which covers my horses in my yard and the barns. USAA even covered my horse while I was boarding because they look at horses as "property"
                  USAA has a horse limit, though. When we bought our first house, we wanted to get our homeowners through USAA. (We had the car and banking and mortgage all through USAA). They asked if we had horses, asked how many, and wouldn't cover us because we had 5 horses. Apparently they covered up to four horses...

                  We're getting ready to start shopping around for homeowners again. The current company is on the high side and they've recently treated us poorly, so it is time to take my money elsewhere.
                  Visit us at Bluebonnet Equine Humane Society - www.bluebonnetequine.org

                  Want to get involved in rescue or start your own? Check out How to Start a Horse Rescue - www.howtostartarescue.com

                  Comment


                  • #49
                    When I lived in NY my homeowners ins company 'suggested' I obtain a separate equine liability policy. Got the policy from Markel. It was inexpensive especially considering how much homeowners insurance costs in NY.

                    I use Farm Bureau now. In this area if they excluded horse owners they wouldn't write any policies. LOL, They never asked about horse ownership.
                    Fan of Sea Accounts

                    Comment


                    • #50
                      Originally posted by cowgirljenn View Post
                      USAA has a horse limit, though. When we bought our first house, we wanted to get our homeowners through USAA. (We had the car and banking and mortgage all through USAA). They asked if we had horses, asked how many, and wouldn't cover us because we had 5 horses. Apparently they covered up to four horses...

                      We're getting ready to start shopping around for homeowners again. The current company is on the high side and they've recently treated us poorly, so it is time to take my money elsewhere.
                      I've been a USAA member for 40+ years but when we bought the first farm in TN they decided that we were "commercial" (probably based on acreage) and that was a "non-starter" for them. They did give a referral to their commercial brokerage arm and I got a quote that was reasonable. At that time TN Farm Bureau was not actively hostile, the rate was better, and I was anxious to begin to establish local business connections. I went with FB. Their attitude changed within a couple of years and I switched to Great American through a KY broker (now deceased). When Great American became difficult I found another broker (Wade and Egbert in Nashville) and the coverage is now with Travelers. The service from Wade and Egbert has always been outstanding.

                      Actually, over almost 23 years, that's not a bad progression.

                      I have checked USAA commercial a number of times over the years. Sometimes they were better, sometimes I could do better locally. The difference was never much; maintaining local contact was more important than a few dollars.

                      My personal car insurance is still with them.

                      G.
                      Mangalarga Marchador: Uma Raça, Uma Paixão

                      Comment


                      • #51
                        I am in MA and when I went to get Home Owners insurance for my condo, I had to get it from a special high risk insurance group because I had a horse. It didnt matter that the horse was boarded out, apparently if the horse caused damage, my home owners policy would have to pay out. The high risk insurance groups rates were pretty much the same as other carriers, the only difference was that I couldnt get the "packaged" rates if I had both polices (car/truck and home owners) with the same carrier. I thought it was strange too.

                        Comment


                        • #52
                          All of my insurance has been with FL Farm Bureau for nearly 20 years. I've never had any issues related to the horses. Several years ago after I moved to a more populated part of the county and had concerns about liability issues related to the horses, my agent added coverage under their Country Squire program, which provides extra protection for stuff like that. It wasn't much more $.

                          I suspect that, as someone else already mentioned, differences between individual agents and between states may be significant. I'm lucky enough to have a great agent.
                          "Facts are meaningless. You can use facts to prove anything
                          that's even remotely true."

                          Homer Simpson

                          Comment


                          • #53
                            Originally posted by cowgirljenn View Post
                            USAA has a horse limit, though. When we bought our first house, we wanted to get our homeowners through USAA. (We had the car and banking and mortgage all through USAA). They asked if we had horses, asked how many, and wouldn't cover us because we had 5 horses. Apparently they covered up to four horses...
                            Really? when I asked them if my homeowners covered horses boarded off my property and upped my liabiliy limit because I owne horses boarded in a very suburban area, they never asked me how many I had.
                            hhhhmmmmm
                            There is something about the outside of a horse that is good for the inside of a man.(Churchill)

                            Comment


                            • #54
                              Originally posted by SLW View Post
                              We have Safeco insurance for the cars, house and an umbrella policy because of the horses here at home.

                              When we moved out here to the rural area of Kansas 19 years ago Allstate would not insure the house and land. I had been with them for 15 years but at that time recent high payouts due to FL hurricanes and the fact that our rural fire department is volunteer and 10 miles away made it too risky.
                              As an agent, this is one of the biggest PITAs. I cannot stress it enough...when looking at homes, get an insurance quote BEFORE making an offer, and find out what protection class it's in.
                              "A horse gallops with his lungs, perseveres with his heart, and wins with his character." - Tesio

                              Comment


                              • #55
                                Originally posted by Donkerbruin View Post
                                I am an insurance agent with Nationwide. We do not ask people if they have horses...only if they have dogs. Even so, dogs are fine as long as they don't have any bite history.

                                Horses are a liability, and different companies have different guidelines as to what risks they will take on. Take your money somewhere else. Try Nationwide...in North Carolina, at least, they don't care if you have horses or not.
                                Nationwide is WONDERFUL!!!!!!! I've been an auto insurance customer since 1974, & a homeowner customer since 1994. Love the company to death!!!!

                                And neither my horses nor my dogs have ever been an issue.

                                Comment


                                • #56
                                  FWIW, Fireman's Fund has done well for us. They came out and did a site visit before writing up the policy, and my insurance agent has a horse so we always talk horses, so no surprises for them. We carry excess liability coverage as a matter of course, however.
                                  They don't call me frugal for nothing.
                                  Proud and achy member of the Eventing Grannies clique.

                                  Comment


                                  • #57
                                    What happens if you try to get homeowner's insurance when you are a member of a horse group? I always figured when I bought a horse I would get annual membership in the local horse council, which includes liability insurance for you & your horse for non-commercial uses, including causing injury or damage to someone else. If you have that, how is it viewed by the insurance companies? Would that mean you don't need your homeowner's policy to cover it?

                                    Comment


                                    • #58
                                      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.

                                      The State Farm agent was very kind and straightforward, and obviously extremely frustrated himself with the new rules, which leave him without a lot of options for writing new business in our area.

                                      I'll second the comment to get a confirmed insurance quote on horse property before you close escrow - you maybe shocked to find out how much it can cost. In my case, I had that in hand, and then the agent reneged after we'd signed the closing papers (she had decided the house looked too old from driving by on the street, and neglected to tell anyone) and created a huge nasty hassle that was fixed by some quick thinking and nimble real estate agents.
                                      If you are allergic to a thing, it is best not to put that thing in your mouth, particularly if the thing is cats. - Lemony Snicket

                                      Comment


                                      • #59
                                        I was told that owning a horse opens up your level of exposure. Seriously? I've been at this forever. They're looking for excuses.

                                        I was also told that as an instructor, more than one horse will increase your rates a LOT--even if you're the only one handling and riding the horses. It's absurd.

                                        JMO
                                        "And I'm thinking you weren't burdened with an overabundance of schooling." - Capt Reynolds "Firefly"

                                        Comment


                                        • #60
                                          Originally posted by MillysGirl View Post
                                          What happens if you try to get homeowner's insurance when you are a member of a horse group? I always figured when I bought a horse I would get annual membership in the local horse council, which includes liability insurance for you & your horse for non-commercial uses, including causing injury or damage to someone else. If you have that, how is it viewed by the insurance companies? Would that mean you don't need your homeowner's policy to cover it?
                                          I am sure it varies. When we moved to this place, we changed insurance agents to someone local. They wanted us to have a equine liability rider (which wasn't much, maybe $100/year). I already had some coverage through a horse organization, but they insisted on the additional rider.
                                          Visit us at Bluebonnet Equine Humane Society - www.bluebonnetequine.org

                                          Want to get involved in rescue or start your own? Check out How to Start a Horse Rescue - www.howtostartarescue.com

                                          Comment

                                          Working...
                                          X