No, but you should ship some to the insurers who are being unaccommodating to M.K. Smith. As a gift.
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I work in insurance as well and I would strongly recommend checking Allied and Nationwide out. You will need to go to an independant agent, which it sounds like you already have. Nationwide has a strong relationship with the Farm Bureau and I know they write hobby farms as well as breeding operations and commercially operated stables. I don’t know the restrictions or rate, but at least its a company that can offer this type of coverage.
Highly recommend joining USEq just to get the $1M personal liability coverage just in case your horse is involved in some kind of accident. REALLY cheap insurance - assuming you are a horse owner. As long as they offer that coverage and as long as I own horses, I will be a member for that reason alone. Not to mention the great Sherwin-Williams discount (I am renovating a house) and it has saved me hundreds of dollars so far. And I am not an employee.
They don’t offer it in Texas for horse facilities, either - just “livestock” farms/ranches. You could have knocked me over with a feather when I contacted FarmBureau and they said they couldn’t insure my facility. :rolleyes:
You might contact EMO, since they do facilities as well as horses. I found them to be amazingly helpful and courteous, and with the best prices to boot. Can’t recommend them highly enough.
[QUOTE=JSwan;4410091]
Why not just contact a company that deals in ag type insurance?
Call Farm Bureau.
If you board horses, you’ll need commercial coverage. And like others have pointed out - don’t ever lie to the insurance company. If you board - obtain the appropriate insurance.
But for keeping livestock on your farm - no brainer. Contact Farm Bureau - it’s what they do.[/QUOTE]
Farm Bureau in TN does NOT do horses. They are considered too “high risk.” I learned this when I was non-renewed 15 years ago. 
They also have a dreadful claims payment reputation. Their rates are among the lowest, but so is their payment policy. My son went with them when he bought his new house last spring. He went against my advice (I suggested USAA; I have been a member there for more than 40 years 
). They were $200 cheaper. We’ll see who was right when he has his first claim.
G.
Here is WA I was told I could only have 3 horses on the property (13 acres) by one insurance company. Since I did not want to be limited, we went to another company. I specifically asked if the horses would be a problem and she laughed and said no, but “how many dogs do you have?”… Fortunately only one and not a breed on their list, so we were fine
Weird rules though, we could have one BC, but not 2. But we could have 2 dogs if the other was not a BC (or any of the “bad” breeds)…
Aslo, first company wanted our old barn torn down within 30 days. 2nd company said no problem to keep, but won’t assign it any value. We will tear it down at some time, but wanted to do it on our timetable. Using it now…
Make sure you check the companies AM Best rating no matter what you do. Get copies of the policies emailed to you, with all the endorsements, and read them in full.
[QUOTE=monalisa;4410734]
Highly recommend joining USEq just to get the $1M personal liability coverage just in case your horse is involved in some kind of accident. REALLY cheap insurance - assuming you are a horse owner. As long as they offer that coverage and as long as I own horses, I will be a member for that reason alone. Not to mention the great Sherwin-Williams discount (I am renovating a house) and it has saved me hundreds of dollars so far. And I am not an employee.[/QUOTE]
Check! Yep, I’d let my USEF membership slide since I haven’t been showing, but decided to renew just for the insurance coverage!
[QUOTE=StefffiC;4410791]
Make sure you check the companies AM Best rating no matter what you do. Get copies of the policies emailed to you, with all the endorsements, and read them in full.[/QUOTE]
What are AM Best ratings?
AM Best is the company that rates financial strength, outlook, etc… on companies. You want to make sure you’re dealing with someone that is A rated or better.
www.ambest.com is their website.
I’m an insurance agent in NC, FWIW.
[QUOTE=Guilherme;4410753]
Farm Bureau in TN does NOT do horses. They are considered too “high risk.” I learned this when I was non-renewed 15 years ago.
G.[/QUOTE]
Holy Moly.
If they didn’t insure horse farms in this state they’d be missing out on a gold mine. Excellent rates and unfortunately, I had a claim. They paid within a few days. Goes without saying the ag operation is insured.
They don’t insure commercial boarding operations, though - for that I’d go with EMO no question about it. EMO is fantastic.
I’m pretty sure Farm Bureau does insure horse farms in MD- their website even has an equine brochure. Maybe they don’t offer the type of coverage she’s looking for though. Or it’s crappy coverage.
I wonder if the “horses are not livestock” argument plays into this. In Texas, I thought horses were not considered livestock unless they were used in a breeding operation or for other commercial purposes. As “pets” they could be perceived as a pretty honkin’ huge risk.
We’re in a weird position in that we “rent” a house on the family farm. The inlaws have the policy on the house and we pay them for that, but we had to get contents coverage ourselves. There were at least two insurance companies that would not give us a quote b/c we had our horses at home with us.
[QUOTE=JSwan;4410953]
Holy Moly.
If they didn’t insure horse farms in this state they’d be missing out on a gold mine. Excellent rates and unfortunately, I had a claim. They paid within a few days. Goes without saying the ag operation is insured.
They don’t insure commercial boarding operations, though - for that I’d go with EMO no question about it. EMO is fantastic.
I’m pretty sure Farm Bureau does insure horse farms in MD- their website even has an equine brochure. Maybe they don’t offer the type of coverage she’s looking for though. Or it’s crappy coverage.
I wonder if the “horses are not livestock” argument plays into this. In Texas, I thought horses were not considered livestock unless they were used in a breeding operation or for other commercial purposes. As “pets” they could be perceived as a pretty honkin’ huge risk.[/QUOTE]
JSwan,
Here’s what I was looking at…
Under American Farm Bureau’s website http://www.fb.org/
It has tabs for: American Agricultural Insurance Company http://www.aaic.com/ I clicked on Home & Farm & it doesn’t cover MD
The other link under American Farm Bureau is American Farm Bureau Insurance Services which looks like it is crop insurance, but I’m not 100% sure. It doesn’t have MD listed in a colored state on the map, but I’m not 100 percent sure if the colored states are where they have coverage or not.
The MD farm bureau page lists that they have special pricing with Nationwide. So, that is something that I definitely can consider if I join Farm Bureau.
Am I missing a different insurance that is offered through farm bureau? I certainly could have looked in the wrong spot.
[QUOTE=DraftHorsePower;4409341]
Isn’t it what they call an attractive nuisance? Something that children and stupid people are automatically drawn to, to hurt themselves with? LOL[/QUOTE]
Haha! This made my night! I don’t have anything to add to the insurance convo, so carry on, just had to let you know this made me lol!
I see this regularly, and we have the solutions. Www.equine.boisinsure.com
there is a big diffeence in exclusions in homeowners which more often than not, equine and or large animals liabilities are not covered.
we have gentlemen’s ranxh policies designed just for you and your horses. We are horse lovers too.
do you have occasional help and non family members near your horses or on the ranch?
you need a team who understands your risks and has the plans to cover them, we are the better option and our rates taylored to your budget.800-264-7750
They are a reasonable choice however there are better. www.equine.boisinsure.com has the perfect solution to gentlemen’s and working ranches. Incredible rates.
We.just found a perfect.policy for a similar family, they also performed training on rented property. We found them great rates and lowered thier truck and trailer premium as well. Super happy
www.equine.boisinsure.com 800-264-7750
Reported the first of three advertising posts. I couldn’t flag the other two as it showed as a duplicate. You would think someone trying to circumvent forum rules would notice that the last post on this thread had been from 2009.
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Sheesh.
Sheesh!!! There needs to be a flag or something for these old threads that are resurrected by people trying to sell stuff.
