Ask an Expert

Homeowner’s vs. Commercial Equine Insurance

Find out if your horse is insured, and even more so, if he's not.

AQHA Corporate Partner Markel

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Question:

I own horses. Does my homeowner policy protect me?

Answer:

Many homeowner policies include exclusions which could affect a horse owner. Review your current policy and have a conversation with your insurance agent to be sure you are adequately covered when owning a horse.

  1. Do you take your horse to a show? If yes, your horse could bite, kick or cause third party property damage. There may be an exclusion for accidents or injuries caused by your horse that occur off your premises. Markel's Private Horse Owner Liability was created to fill this gap in coverage.
  2. Do you breed, train or board horses on your property as a business? Some homeowner policies exclude business pursuits, or commercial equine operations. Markel's Commercial Equine Liability will protect your horse-related business whether on your own premises, or at a leased premises. Don't forget to add care, custody and control liability if you manage horses you do not own.
  3. Do you have horses on premises for personal use? Some homeowner's policies exclude any accident or injury caused by personally owned horses, or cattle kept on your premises, or limit the number of animals you can have on premises. Ask your agent to compare your homeowner policy against a farm package policy, or consider a private horse owner liability policy.

Do you have questions? We have answers!

Email us: quarterhorseinsurance@markelcorp.com

Call us: 800-794-6773 quarterhorseinsurance.com | facebook.com/Markel Horse

Please note, the information provided is intended for general informational purposes only. Contact your agent or equine specialist for a coverage consultation. Coverage availability varies by state. Please refer to policy forms for coverage terms and conditions.