Originally Posted by Taffy Clayton
Any one with Shelter Insurance better check your policy.
I just found out that since I went to one horse show and competed in one class, that my liability on any damage or injury caused by my horse is no longer covered by my homeowners policy. I have no liability from damage done by any of my horses anywhere from going to one show.
I do not earn any money at show or make my living showing horses, I go to one show a year.
I have had Shelter for Thirty years and all this time I thought I was covered, by my homeowners policy.
Anyone showing horses, you better check your policy.
Some homeowners policies provide coverage through the standard policy. Some offer it as a rider to a policy. For any special situation, it is always a good idea to ask and get an answer in writing. You are paying for coverage and should know what it and what is not covered.
When participating in a show or competition, the hosting organization usually provides coverage for the participants or "members." I run a riding club and we host regular competitions. Our members are fully covered by the club's policy against damage done by their horses.
While it is a good idea to have your own coverage, you should also make sure any organization event you participate in also has coverage.
I know nothing about the USEF coverage, but that is something you should check in more detail. Most organizations like that only provide coverage when participating in a sanctioned activity of the organization. So you would typically be covered at a USEF event, but not while riding with friends.