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Can owning horses affect Homeowners insurance?

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  • #21
    No, but you should ship some to the insurers who are being unaccommodating to M.K. Smith. As a gift.
    I tolerate all kinds of animal idiosyncrasies.
    I've found that I don't tolerate people idiosyncrasies as well. - Casey09

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    • #22
      I work in insurance as well and I would strongly recommend checking Allied and Nationwide out. You will need to go to an independant agent, which it sounds like you already have. Nationwide has a strong relationship with the Farm Bureau and I know they write hobby farms as well as breeding operations and commercially operated stables. I don't know the restrictions or rate, but at least its a company that can offer this type of coverage.

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      • #23
        Highly recommend joining USEq just to get the $1M personal liability coverage just in case your horse is involved in some kind of accident. REALLY cheap insurance - assuming you are a horse owner. As long as they offer that coverage and as long as I own horses, I will be a member for that reason alone. Not to mention the great Sherwin-Williams discount (I am renovating a house) and it has saved me hundreds of dollars so far. And I am not an employee.

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        • #24
          Originally posted by JSwan View Post
          Huh?

          That's the first I've heard that Farm Bureau doesn't offer ag and homeowners insurance in Maryland. The state is chocked full of farms.
          They don't offer it in Texas for horse facilities, either - just "livestock" farms/ranches. You could have knocked me over with a feather when I contacted FarmBureau and they said they couldn't insure my facility.

          You might contact EMO, since they do facilities as well as horses. I found them to be amazingly helpful and courteous, and with the best prices to boot. Can't recommend them highly enough.

          www.rideemo.com
          In loving memory of Laura Jahnke.
          A life lived by example, done too soon.
          www.caringbridge.org/page/laurajahnke/

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          • #25
            Originally posted by JSwan View Post
            Why not just contact a company that deals in ag type insurance?

            Call Farm Bureau.

            If you board horses, you'll need commercial coverage. And like others have pointed out - don't ever lie to the insurance company. If you board - obtain the appropriate insurance.

            But for keeping livestock on your farm - no brainer. Contact Farm Bureau - it's what they do.
            Farm Bureau in TN does NOT do horses. They are considered too "high risk." I learned this when I was non-renewed 15 years ago.

            They also have a dreadful claims payment reputation. Their rates are among the lowest, but so is their payment policy. My son went with them when he bought his new house last spring. He went against my advice (I suggested USAA; I have been a member there for more than 40 years ). They were $200 cheaper. We'll see who was right when he has his first claim.

            G.
            Mangalarga Marchador: Uma Raa, Uma Paixo

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            • #26
              Here is WA I was told I could only have 3 horses on the property (13 acres) by one insurance company. Since I did not want to be limited, we went to another company. I specifically asked if the horses would be a problem and she laughed and said no, but "how many dogs do you have?".... Fortunately only one and not a breed on their list, so we were fine

              Weird rules though, we could have one BC, but not 2. But we could have 2 dogs if the other was not a BC (or any of the "bad" breeds)......

              Aslo, first company wanted our old barn torn down within 30 days. 2nd company said no problem to keep, but won't assign it any value. We will tear it down at some time, but wanted to do it on our timetable. Using it now....
              Turn off the computer and go ride!

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              • #27
                Originally posted by M.K.Smith View Post
                Okay... just got off the phone with the lady who has been looking into new quotes for me. Apparently, all of the companies that she deals with (still waiting to hear back from one company) have no problems with 2 horses.... however, I have more than 2. Makes me wonder if my current company is aware that I have more than 2... I've always had more than 2 since we were insured, but honestly I don't know that they've ever asked how many. I know they ask the "dog breed question."

                The lady that I talked to is going to look into a farm policy with Donegal and will get back to me.
                Make sure you check the companies AM Best rating no matter what you do. Get copies of the policies emailed to you, with all the endorsements, and read them in full.

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                • Original Poster

                  #28
                  Originally posted by monalisa View Post
                  Highly recommend joining USEq just to get the $1M personal liability coverage just in case your horse is involved in some kind of accident. REALLY cheap insurance - assuming you are a horse owner. As long as they offer that coverage and as long as I own horses, I will be a member for that reason alone. Not to mention the great Sherwin-Williams discount (I am renovating a house) and it has saved me hundreds of dollars so far. And I am not an employee.
                  Check! Yep, I'd let my USEF membership slide since I haven't been showing, but decided to renew just for the insurance coverage!
                  http://www.leakycreek.com/
                  http://leakycreek.wordpress.com/ Rainbows & Mourning Doves Blog
                  John P. Smith II 1973-2009 Love Always
                  Father, Husband, Friend, Firefighter- Cancer Sucks- Cure Melanoma

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                  • Original Poster

                    #29
                    Originally posted by StefffiC View Post
                    Make sure you check the companies AM Best rating no matter what you do. Get copies of the policies emailed to you, with all the endorsements, and read them in full.
                    What are AM Best ratings?
                    http://www.leakycreek.com/
                    http://leakycreek.wordpress.com/ Rainbows & Mourning Doves Blog
                    John P. Smith II 1973-2009 Love Always
                    Father, Husband, Friend, Firefighter- Cancer Sucks- Cure Melanoma

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                    • #30
                      AM Best is the company that rates financial strength, outlook, etc... on companies. You want to make sure you're dealing with someone that is A rated or better.

                      www.ambest.com is their website.

                      I'm an insurance agent in NC, FWIW.

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                      • #31
                        Originally posted by Guilherme View Post
                        Farm Bureau in TN does NOT do horses. They are considered too "high risk." I learned this when I was non-renewed 15 years ago.


                        G.
                        Holy Moly.

                        If they didn't insure horse farms in this state they'd be missing out on a gold mine. Excellent rates and unfortunately, I had a claim. They paid within a few days. Goes without saying the ag operation is insured.

                        They don't insure commercial boarding operations, though - for that I'd go with EMO no question about it. EMO is fantastic.

                        I'm pretty sure Farm Bureau does insure horse farms in MD- their website even has an equine brochure. Maybe they don't offer the type of coverage she's looking for though. Or it's crappy coverage.

                        I wonder if the "horses are not livestock" argument plays into this. In Texas, I thought horses were not considered livestock unless they were used in a breeding operation or for other commercial purposes. As "pets" they could be perceived as a pretty honkin' huge risk.
                        Brothers and sisters, I bid you beware
                        Of giving your heart to a dog to tear.
                        -Rudyard Kipling

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                        • #32
                          We're in a weird position in that we "rent" a house on the family farm. The inlaws have the policy on the house and we pay them for that, but we had to get contents coverage ourselves. There were at least two insurance companies that would not give us a quote b/c we had our horses at home with us.
                          www.foxwoodfarms.biz
                          "There are no stupid questions, but there are a LOT of inquisitive idiots."
                          -Member of the Mighty Thoroughbred Clique!
                          http://community.webshots.com/user/wlrottge

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                          • Original Poster

                            #33
                            Originally posted by JSwan View Post
                            Holy Moly.

                            If they didn't insure horse farms in this state they'd be missing out on a gold mine. Excellent rates and unfortunately, I had a claim. They paid within a few days. Goes without saying the ag operation is insured.

                            They don't insure commercial boarding operations, though - for that I'd go with EMO no question about it. EMO is fantastic.

                            I'm pretty sure Farm Bureau does insure horse farms in MD- their website even has an equine brochure. Maybe they don't offer the type of coverage she's looking for though. Or it's crappy coverage.

                            I wonder if the "horses are not livestock" argument plays into this. In Texas, I thought horses were not considered livestock unless they were used in a breeding operation or for other commercial purposes. As "pets" they could be perceived as a pretty honkin' huge risk.
                            JSwan,

                            Here's what I was looking at...

                            Under American Farm Bureau's website http://www.fb.org/

                            It has tabs for: American Agricultural Insurance Company http://www.aaic.com/ I clicked on Home & Farm & it doesn't cover MD

                            The other link under American Farm Bureau is American Farm Bureau Insurance Services which looks like it is crop insurance, but I'm not 100% sure. It doesn't have MD listed in a colored state on the map, but I'm not 100 percent sure if the colored states are where they have coverage or not.

                            The MD farm bureau page lists that they have special pricing with Nationwide. So, that is something that I definitely can consider if I join Farm Bureau.

                            Am I missing a different insurance that is offered through farm bureau? I certainly could have looked in the wrong spot.
                            http://www.leakycreek.com/
                            http://leakycreek.wordpress.com/ Rainbows & Mourning Doves Blog
                            John P. Smith II 1973-2009 Love Always
                            Father, Husband, Friend, Firefighter- Cancer Sucks- Cure Melanoma

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                            • #34
                              Originally posted by DraftHorsePower View Post
                              Isn't it what they call an attractive nuisance? Something that children and stupid people are automatically drawn to, to hurt themselves with? LOL
                              Haha! This made my night! I don't have anything to add to the insurance convo, so carry on, just had to let you know this made me lol!

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