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Can owning horses affect Homeowners insurance?

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  • M.K.Smith
    started a topic Can owning horses affect Homeowners insurance?

    Can owning horses affect Homeowners insurance?

    I had a bad day with insurance companies today. I'm trying to make sure that I'm adequately insured, not over insured, not under insured, and paying a fair price.

    Well... I stopped by my current insurance company today and before long he was saying that I didn't have enough of this & should get more that... I don't know if the add ons are necessary or not. (they think I should increase my liability coverage, hospital amount covered, add a siding policy and an identity recovery policy). I don't know what to do.

    I get home to a voice mail from another company I called saying they were having a hard time finding a company that would cover me. I had told her that I am considering in the future boarding a few horses, but not at this point in time. They are just my own personal horses.

    Has anybody had a hard time getting homeowners because they have horses at home? I know they're considered attractive nuisances... but I'd never thought that they wouldn't write a policy because you had a horse?

  • FolsomBlues
    replied
    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!

    Leave a comment:


  • M.K.Smith
    replied
    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.

    Leave a comment:


  • wlrottge
    replied
    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.

    Leave a comment:


  • JSwan
    replied
    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.

    Leave a comment:


  • StefffiC
    replied
    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.

    Leave a comment:


  • M.K.Smith
    replied
    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?

    Leave a comment:


  • M.K.Smith
    replied
    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!

    Leave a comment:


  • StefffiC
    replied
    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.

    Leave a comment:


  • foggybok
    replied
    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....

    Leave a comment:


  • Guilherme
    replied
    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.

    Leave a comment:


  • ESG
    replied
    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

    Leave a comment:


  • monalisa
    replied
    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.

    Leave a comment:


  • KateKat
    replied
    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.

    Leave a comment:


  • Lori B
    replied
    No, but you should ship some to the insurers who are being unaccommodating to M.K. Smith. As a gift.

    Leave a comment:


  • Kate66
    replied
    Interesting.

    I have insurance with Allstate. My apartment is a barndominium so they are well aware that there are 4 HORSE STALLS underneath my living space, but I never thought to mention and they certainly didn't ask if I had any horses. Just never even thought about it. I think I told them I had a couple of mutts. I should mention the damn fireants - they are a bigger liability than anything, although certainly not an attractive nuisance! Should I let them know I have about 2million fireants :-)

    Leave a comment:


  • M.K.Smith
    replied
    I did find a list from 2007 of approved farm insurance companies for the state of MD
    http://www.mdinsurance.state.md.us/s...t-12-03-07.pdf

    Brethren Mutual Insurance Company
    Allied Property & Casualty Insurance Company
    Nationwide Agribusiness Insurance Company
    Farmers’ Mutual Fire Insurance Company of Dug Hill
    Indemnity Insurance Company of North America
    Great American Insurance Company
    The Travelers Indemnity Company
    Donegal Mutual Insurance Company
    Cumberland Mutual Fire Insurance Company
    Markel Insurance Company
    Farmers and Mechanics Mutual Insurance Association
    American Bankers Insurance Company of Florida
    Goodville Mutual Casualty Company
    Everett Cash Mutual Insurance Company
    Windsor Mount Joy Mutual Insurance Company
    Lititz Mutual Insurance Company
    Harleysville Mutual Insurance Company
    United Farm Family Insurance Company
    Frederick Mutual Insurance Company
    Selective Insurance Company of America

    If I have to go the farm insurance route... anybody know anything about any of them?

    Leave a comment:


  • M.K.Smith
    replied
    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.

    Leave a comment:


  • JSwan
    replied
    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.

    Contact your local agent directly and ask about homeowners/farm insurance - don't go into the boarding aspect since you're not planning on doing that for now -they don't offer commercial coverage for boarding operations anyway (that I know of)

    Just ask about homeowners insurance and mention that you keep horses on your land for your personal use. But really - call and speak with an agent directly to find out what they offer.

    You can search by county on the following link - look - they even have an equine membership available.

    http://www.mdfarmbureau.com/

    Leave a comment:


  • M.K.Smith
    replied
    Right now it is just my personal horses, so that is all that I need coverage for. However, if I do decide to board horses in the future I'd like to 1. know what I'd be getting myself into as far as how much the policy would cost, & 2. prefer to stay with one company so I could just switch to adding care, custody, and control and whatever else changes I'd need to make.

    Originally posted by Pandarus33 View Post
    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.
    Maryland is one of the few states NOT protected with the Equine Liabilities Law.

    I've looked up Farm Bureau online & it looks like in MD they have an arrangement with a discount for Nationwide. On the national farm bureau site the insurance companies listed didn't handle Maryland.

    Leave a comment:

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