Homeowners

Does homeowners insurance cover horses, livestock, or exotic pets?

Standard homeowners policies provide very limited animal coverage. Most exclude livestock and horses entirely. Liability from dog bites may be covered under the homeowners liability section, but many carriers exclude specific breeds and some exclude all animal liability. Horses require an equine policy. Livestock requires a farm policy. The specific exclusions vary by carrier and are often not discovered until a claim is filed -- reviewing policy language before a loss is important for anyone who owns animals.

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Does homeowners insurance cover horses, livestock, or exotic pets?

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