Hi, I am with Laurel Fowler Insurance Broker, inc based in California, we specialize in Equine Insurance across the country and I just thought I would post this as a rate guide for people. Personal Horse Liability is different from Trainer or other horse business liability, but if you are not using your horse in any business activities and usually have less than 10 horses, Personal Horse Liability can be purchased. As a Guide:
Rate Guide: On 04/20/2012 the rates were:
$150.00* per year for $500,000.00 ($500,000.00 CSL/Occurrence, $1,000,000.00 General Aggregate).
$235.00* per year for the $1,000,000.00 ($1,000,000.00 CSL/Occurrence, $2,000,000.00 General Aggregate).
*Rates subject to change, price includes one (1) certificate of insurance, additional copies $25.00.
These rates are good for 3-4 horses and then each addition horse is about $43.00 up to ten horses max.
Usually your homeowners excludes any horse coverage and as others have mentioned, some breed or group associations also offer liability coverage.
Laurel Fowler Insurance Broker, inc www.EquineQuote.com