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Can owning horses affect Homeowners insurance?

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  • Angela Freda
    replied
    Originally posted by Guilherme View Post
    This is very bad advice. A lie by exclusion is still a lie. And a "lie" on a policy application equals "fraud." And "fraud" will trigger all kinds of bad things for the policy holder.

    You have duty to be honest with the company. You ignore that duty at your peril.

    G.
    I think the point was that she is *thinking* of someday, MAYBE boarding horses.
    If she has decided then yes not saying so is a lie by omission, but telling them, or not telling them your thoughts about something you might do someday, maybe? Uh that can only hurt you in the sense that they will deny you.

    Leave a comment:


  • JSwan
    replied
    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.

    Leave a comment:


  • equineartworks
    replied
    Originally posted by Guilherme View Post
    This is very bad advice. A lie by exclusion is still a lie. And a "lie" on a policy application equals "fraud." And "fraud" will trigger all kinds of bad things for the policy holder.

    You have duty to be honest with the company. You ignore that duty at your peril.

    G.
    I agree.

    I had one company that offers the insurance through USEF decline to quote us because we had recipes for homemade wine on our website. They said they didn't insure wineries. Well that's cool because, well, we aren't a winery! But then they said they still couldn't quote us because we sold wine, um no...we make wine at home for ourselves as a hobby, we don't sell it because we ARE NOT A LICENSED WINERY. It is perfectly legal to make wine at home. But no...still no quote, because obviously they just don't like wine I dunno... If they want to start not quoting people with horses because they have a few cocktails here and there they will soon find their business dwindling

    Leave a comment:


  • Guilherme
    replied
    Originally posted by babecakes View Post
    Boarding a 'few' horses will not pay for the risk and costs that you will undertake. And never mention thinking about it to an agent. Just like an IRS audit - do not volunteer extra information.
    This is very bad advice. A lie by exclusion is still a lie. And a "lie" on a policy application equals "fraud." And "fraud" will trigger all kinds of bad things for the policy holder.

    You have duty to be honest with the company. You ignore that duty at your peril.

    G.

    Leave a comment:


  • Ozone
    replied
    Sure does when the barn + house is on the same insurance....

    Leave a comment:


  • babecakes
    replied
    Originally posted by M.K.Smith View Post
    I had told her that I am considering in the future boarding a few horses, but not at this point in time.
    Boarding a 'few' horses will not pay for the risk and costs that you will undertake. And never mention thinking about it to an agent. Just like an IRS audit - do not volunteer extra information.

    Leave a comment:


  • Guilherme
    replied
    Anything can affect homeowners insurance.

    It's been my experience that home-kept horses are generally not a problem. But some companies shy away from this risk; others don't. The market is pretty big in most places so it pays to shop around. If your agent isn't doing the job for you then get a new agent.

    If you take boarders you have just become "commercial." That is a whole, different scene. There is much less "consumer protection" in the commercial world and policies are built to cover the individual risks involved. If you adequately assess your risks then you're OK; if you miss a risk then you've likely got a gap in coverage. It pays to work with a knowledeable agent.

    Remember, too, if you end up "going commericial" then it could affect your vehicle coverages, also. Ensure that your agent covers this risk, too.

    After you get your policy read it. Remember that "The Big Print Giveth & The Small Print Taketh Away." Read the grant of coverage (The Big Print) and then the exclusions and conditions (The Small Print). If you don't understand something or you think you've got a coverage issue then ask the agent.

    It also pays to work with a knowledgable agent. Some of the "mom & pop" agencies do a good job, but some are not really "up to speed" on equine issues (commercial or private). The agent serves you and you have every right to ensure that their service is up to the task.

    Good luck in seeking a good policy.

    G.

    Former Regional VP for Claims

    Leave a comment:


  • Pandarus33
    replied
    Maybe....

    I think it would depend on your location. If you are anywhere near a development or area with a lot of private homes, a horse farm (the horses, specifically) could be seen as an attractive nuisance. If I was anywhere near a lot of homes (like a friend of mine who lives at the end of a cul de sac in a big neighborhood, I'd have 6' chain link or wood fencing with hot wire on top and a LOT of "No Trespassing" signs around the pasture and barn areas.

    Another question would be if you have the Equine Liability Law in your state. If so, it would protect you in certain instances but not all. If a kid dug a hole under your fence and chased your horses around with a BB gun getting run over in the process, the law would be on your side if you had adequate fencing and the signs. If you have simple 4' split-rail fencing with no real barrier to prevent them getting in and a previously documented agressive horse, you might be considered liable.

    If you have the Farm Bureau in your area, they might be a better option for insurance as they also insure farms.

    Leave a comment:


  • Jealoushe
    replied
    That's strange, it doesn't effect you up here in Canada.

    Maybe they can insure you under a hobby farm form? Normally with a regular homeowners form you can board up to 3 horses with no problems. I would look at another agency, maybe they just don't want to do the work.

    Leave a comment:


  • Luckydonkey
    replied
    Horses, certain dog breeds, trampolines, and swimming pools....

    Leave a comment:


  • DraftHorsePower
    replied
    Considering the rigorous interview process that my dog had to go through for me to get homeowners (I swear it was like 30 questions about the dog, and he's a Newfoundland for gods sake.... not a pitbull or anything), I would assume that yeah, horses, definitely. Isn't it what they call an attractive nuisance? Something that children and stupid people are automatically drawn to, to hurt themselves with? LOL

    Leave a comment:


  • tangledweb
    replied
    Owning? Maybe.
    Boarding? You betcha.

    Leave a comment:


  • ESG
    replied
    Not only is it common to find insurers who won't write a policy for those who keep horses on the property, but some breeds of dog can have potential insurers running for cover. It's customary to have horse owners boarding their own at home to have personal liability coverage, in case the horse injures someone or gets out and damages property or causes an accident. Is it necessary? Well, you could decline it and probably be okay, but if something happens, you're hosed. And with this society being so incredibly litigious, and the PL coverage being fairly inexpensive, I always thought it worth the expense.

    And, if you do decide to board outside horses (hopefully) for profit, you'll need professional liability coverage and CCC (care, custody and control) in order to be safe.

    Leave a comment:


  • BuddyRoo
    replied
    There's a difference between standard homeowners (sans livestock) and farm owners.

    Leave a comment:

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