Am I liable if my horses get out and cause an accident

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jan 9, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Hemlock, MI

Asked on 01/09/2016

Am I liable if my horses get out and cause an accident If I have horses on my property and they get out on a road and cause an accident where someone is injured, am I responsible and subject to a law suit

Answer given on January 11, 2016

If your horses get out of their enclosure and cause an accident or damage to other people’s property, you can be held liable for such damage and accidents and injuries. Your homeowner insurance should protect you in this case, unless the horses are a part of a business. If that is the case you will need to have a special policy, or possibly an endorsement can be added to your homeowner insurance policy.Talk to your insurance agent or company and make sure they know you have horses and if you are boarding other horses, the insurance company should know that too. You can’t just assume that you are covered. You should also be sure that if you are boarding horses that the owners of those horses have insurance in case someone is injured by someone else’s horse. If the horses escape due to a large storm or other catastrophe you may not be liable, but make sure you are covered, just in case.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption