Originally Posted by usandpets
It is good to have liability insurance. If your horse should get loose from their pasture and get hit by a vehicle, you are still responsible. You'd be not only responsible for the damage to the vehicle but also for any medical bills and even loss of income. All that adds up quickly. The cost of insurance is pretty cheap.
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that may or may not true, its going to depend on the state and local law. A horse in the road not through negligence getting hit falls under the same category as a deer. Something that just happens and fault isnt assigned.
There are other liability issues though. If you have horses or land you should look into a farm policy, as oppossed to a homeowners policy. Homeowners insurance is basically worthless. I was amazed at the total lack of insurance that come with them.
I switched to another company and a farm policy. For much less money I got 100K equine liability, no hurricane deductible, tractor, horse trailer, farm equipment, barns etc all covered.