Insurance at non-horse outings

[Marsha Cassada]

I will be taking Dapper Dan to a Heritage antique tractor show next month and give cart rides. The Show chairman called me and said their event insurance will not cover animals. So I called State Farm, thinking our home owner's insurance would cover us. They called the underwriter, and I found out we need to add a rider to our home owner's policy for Dapper Dan's outings. We have a nursing home visit scheduled also. We've never had any trouble at all the events we've gone to, but I suppose we'd better protect ourselves.

Instead of investigating every event host, it would be easier to just insure ourselves.

 

[Little Bits]

You can add to your home owner insurance policy. There are some Equine Insurance Companies that have liability insurance. I have had insurance policies with horses in the past I have use this company they might be able to point you in the right direction. www.vangundy.com/equine.htm

Also do you have a Homestead Act on your home. In my state it protects homeowners from losing there homes in case you are sued, so you cannot lose your home.