Renting a property with stalls and keeping your own horse on it is ordinary here. A renters policy has a clear position on that animal, and it is not the one tenants expect.
Your horse is not covered property on a renters policy, and the liability it creates is not covered either.
Three things a renters policy will not do.
A renters policy does not cover your horse as property and generally does not cover the liability it creates. An animal worth five figures is uninsured, and an injury it causes to somebody is a claim with nothing behind it. Equine mortality and equine liability are separate products.
Saddles, bridles and equipment are personal property and are covered, subject to your contents limit and any sporting goods cap, and at a reduced limit if kept in a detached barn rather than the dwelling. On a serious set of tack that distinction matters.
The landlord insures the buildings and their own liability. A tenant’s animals are the tenant’s responsibility entirely, and many lease agreements say so explicitly while leaving the tenant to work out what that means.
Cover that reaches the animals.
Yours, boarded or the owner’s are three answers.
Detached storage carries a reduced limit.
It is a separate policy and it is the important one.
Tell us how many horses you keep, whose they are and where the tack is stored.
