I can't get liability specifically on my horses unless I pay working farm insurance, which I can't get unless I have farm revenues. Which I don't. I'm pretty sure I was told that somehow or other though, this would be covered under my home insurance, same as if my dog bit someone. Now I think I'm going to call my broker just to make sure.
I also can't get medical/life insurance on my horses because they aren't *worth* anything in dollars since they were rescues. Even though both are registered.
Must be different in Canada, since I do not have to have a farm policy as such. I have been advised by my insurance guy to get a seperate policy (which he can't provide) for the horses. Just better coverage. I am happy to pay for the extra coverage, as is my DH. Perhaps because mine are not at my house?