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Many homeowners in and near Scottsdale, AZ, have large properties where they keep a handful of ranch animals, such as horses, goats, and other small livestock. While your property may not be a full-fledged ranch, owning these animals can increase your liability risks when people visit your property. Alliance Insurance Partners can help you explore policies to cover these liabilities.
Owning Ranch Animals Carries Extra Risk
Even if you only have a few acres and not a full-scale ranch, having ranch animals on your property requires additional liability coverage. Most homeowner’s insurance policies do not fully cover liability for incidents caused by your animals. Risks include animals escaping their enclosures and causing damage to someone else’s property or accidents involving loose animals. Injuries caused by farm animals can also occur on your property, leading to potential legal and financial consequences.
Liability Coverage Options
As a livestock owner, you have several options for managing liability, depending on the type and number of animals you own. If you have only a few animals, an umbrella policy may be a good choice. Umbrella policies provide protection against injuries and lawsuits resulting from incidents involving your animals. For those with a larger number of animals, livestock insurance is another option. This type of insurance covers losses due to accidents, natural disasters, theft, or certain illnesses. If you own horses, equine insurance offers similar protection, and some companies allow you to add liability coverage to these policies.
Discussing your specific needs is essential to finding the right coverage, as each situation is unique. Alliance Insurance Partners, serving Scottsdale, AZ, is here to assist you. Contact our office today to schedule a consultation and determine the best coverage for your needs.
