I have two horses that I keep at my home. Neither are particularly valuable, they are just pets. We trail ride, we pony ride with friends, and my kids want to start 4-H shows this summer.
I am thinking that I need to carry some kind of liability insurance policy. I've googled it and it looks like I can get just an umbrella policy for $250-$300. I am not sure how to evaluate these plans to determine which would be the best choice for me. I'm really not worried about small issues, I just want to protect myself in case something bad were to happen.
Any suggestions as to what I should consider?