Many homeowners in Scottsdale, AZ, have several acres of property. Some people have mini ranches with horse corrals and barns near their homes in areas where zoning allows horses and other livestock. The proximity of horses and other livestock near a residence can result in a higher risk of injury to visitors. Homeowners Insurance Group can advise you on measures to protect yourself if animals injure someone.

Homeowner’s Policies May Not Provide Enough Coverage

Although your homeowner’s policy provides liability protection, chances are, it’s not enough. Some policies no longer cover dog bites, as some breeds can cause severe injuries requiring extensive medical treatment. Livestock can cause more serious injuries, including broken bones, internal bleeding, and death if someone is kicked or stomped on by an enraged animal. Riding accidents are common and can result in months or years of rehab and sometimes paralysis. Without additional insurance, you’ll pay out of pocket and may even lose your property if a mishap occurs.

Additional Liability Coverage is Essential

If you own horses, it’s a good idea to have at least farm and ranch insurance, which can also pay for mishaps resulting from equipment used to maintain your animals. Sometimes, even a farm and ranch policy isn’t enough. High-worth individuals should also consider an umbrella policy to pay for medical expenses, legal representation, and more. Read all of your current policies to determine what, if any, coverage you may have from injuries caused by your animals. The same goes for any umbrella policy you may consider, as only some will cover injuries caused by large animals.

With the right umbrella policy, you can protect yourself and your property. Contact Homeowners Insurance Group, serving Scottsdale, AZ, and its environs, to learn more about your options.