Insurance question
 
 

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Insurance question

This is a discussion on Insurance question within the Horse Law forums, part of the Horse Resources category
  • Incedental farm policy

 
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    07-22-2010, 04:43 PM
  #1
Foal
Insurance question

For those of you who own horses : Do you have liability insurance on your animals? I don't currently, but I'm thinking that perhaps I should get some - just in case. Any input (pro or con) would be appreciated!
     
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    07-22-2010, 05:33 PM
  #2
Trained
Assuming you're not using your horse(s) as part of a business, check your homeowner's policy. Our homeowner's policy covers liability for our horses and they even consider the risk less than having certain breeds of dogs.
     
    08-09-2010, 05:17 PM
  #3
Foal
I know in Kansas if you join the KS equine council you can get $1,000,000 for I think $50/yr. You may also add incedental farm (horse liability) to your home insurance for a minimal amount.

Given the fact that it is so inexpensive, I honestly can't undertand why someone wouldn't carry it.
     
    08-12-2010, 02:54 PM
  #4
Foal
It is a fairly inexpensive thing to get, and I would reccomend having it! We get third party liabilty insurance as part of my pony club membership.
     
    08-13-2010, 09:45 PM
  #5
Foal
I have my horses insured through an equine insurance company for mortality only. I'm in the process of purchasing a foal, and I'd hate for something to happen to him when I don't own him 100% yet. My homeowner's insurance doesn't cover my horses.
     
    08-16-2010, 03:01 AM
  #6
Yearling
I would definitely look into it. I think it's something everyone should have. It's not too expensive monthly and it can save you from dealing with a very expensive accident.
     
    08-16-2010, 03:09 AM
  #7
Banned
Ya here in Utah you can get the million dollar insurance you only have to pay $7 a month
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