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Denied homeowner's insurance due to owning a horse

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  • #61
    You're in the Midwest, try Auto Owners with an Independent carrier. Also MI has an Equine Liability Act which addresses many horse activities. http://www.animallaw.info/statutes/s...1.htm#691.1666


    • #62
      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.


      • #63
        Originally posted by poltroon View Post
        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.
        "Facts are meaningless. You can use facts to prove anything
        that's even remotely true."

        Homer Simpson


        • #64
          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.


          All Senior Active, Junior Active, Life and USEF Equestrian Plus Members Automatically Receive:

          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.

          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

          (This above information is for illustration purposes only, and is subject to certain variations and restrictions in individual states.)
          (The insurance policy and application set forth the terms and conditions which apply.)
          For more information Click Here (http://www.usef.org/documents/member...PolicyInfo.pdf)
          Last edited by Tiffani B; Apr. 11, 2013, 10:26 PM. Reason: Found it!


          • #65
            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


            • #66
              I have lived for 23 years in a town in Southern California that bills itself as "Horsetown USA" and I have never been asked about whether I had horses. I use AAA.


              • #67
                I only rent my farm, and have renter's insurance through my state's Farm Bureau. I just have to keep the number of horses under 6 and I'm all good.


                • #68
                  Never been asked if I had a horse or even a dog... but I do have personal liability insurance through the Ontario Equine Federation, $5 million. http://horse.on.ca/membership/member...ance-benefits/


                  • #69
                    Originally posted by War Admiral View Post
                    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.