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gratifite 07-22-2010 03:43 PM

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!

PaintHorseMares 07-22-2010 04:33 PM

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.

rcshawk 08-09-2010 04:17 PM

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.

Lottii 08-12-2010 01:54 PM

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.

Heartland 08-13-2010 08:45 PM

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.

Supermane 08-16-2010 02:01 AM

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.

kaydeebug 08-16-2010 02:09 AM

Ya here in Utah you can get the million dollar insurance you only have to pay $7 a month
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