Does the HomeProtector Policy provide liability for personal riding horses?
Yes, the HomeProtector Policy would pay under Medical Payments Coverage for injuries to a third person caused by an animal owned by the insured. Also, if the insured is sued because of injury to another person or damage to that person’s property caused by the insured’s horse, the Personal Liability Coverage would respond and pay damages if the insured was legally responsible. Key here is that the coverages apply if the horses are personal use horses, but would not apply if the damages arose out of a business such as breeding, raising, boarding, of horses. 14.
