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Does homeowners insurance cover horses?

Standard homeowners insurance generally provides only personal liability for a horse kept as a pet on the residence, with low limits and often an exclusion for horse-related activities. Anything that makes the horse income-producing (boarding fees, lessons, training, showing for prize money) is excluded under a homeowners policy. For active horse owners, a dedicated equine liability policy, a farm and ranch policy with an equine endorsement, or a commercial equine policy is required. The choice depends on whether the horses generate any income.

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