yup, i was kind of thinking the same thing. thanks!

lisa
-------------- Original message ----------------------
From: JilJen@...
>
>
> Lisa,
>
> check my homeowners for liability insurance to make sure i'm covered that
> why.
>
> I would bet dollars to donuts that the HO liability WILL NOT cover any
> horse-related claims. Or, they may possibly cover one if it is very small
and
> inconsequential, and then promptly issue a cancellation for "increased risk"
or
> something similar. (Heck, these days, most HO policies won't even cover
> claims from household pets, much less an animal that is considered
livestock!)
>
> As long as you have an Equine Liability policy, you should be ok. If you
> have a personal umbrella liability policy, you might see if they will offer
> excess limits over the primary equine liability limits, just to be safe.
>
>
> Jill & Eli
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