Homeowner Insurance

Porter · Post by **Porter** » Thu Jul 20, 2006 5:51 pm

Does anyone know a market for this property:

Built 1970
Home 1000 sf
Barn 600 sf
Wood Shingle Roof not in good shape
6 Horses
2 Cows
10 Chickens
2 Lambs

Thanks

bindscott · Post by **bindscott** » Thu Jul 20, 2006 11:09 pm

What state? Is this insured's hobby?

Porter · Post by **Porter** » Fri Jul 21, 2006 9:09 am

Ca. Yes it is for personal use.

Matt · Post by **Matt** » Fri Jul 21, 2006 10:58 am

I have a market for these types of risks call Abram Interstate and ask for Matt 916-780-7000!!

92builder · Post by **92builder** » Fri Jul 21, 2006 9:24 pm

Didja try Foremost or any good decent farm/ranch company?

Porter · Post by **Porter** » Sat Jul 22, 2006 11:48 am

I got the lead from a Farmers Agent who told me that it did not meet Foremost's u/w.

92builder · Post by **92builder** » Sat Jul 22, 2006 5:32 pm

Call Stroud out of New Mexico; they're friends of mine and may be able to take it.

sanddog1 · Post by **sanddog1** » Tue Jul 25, 2006 9:53 pm

Porter, Allied Ins. Farm Ranch program piece of cake. No HO-3 in this State will touch that risk do too Horses

independent guy · Post by **independent guy** » Wed Jul 26, 2006 6:13 am

sanddog1 wrote:Porter, Allied Ins. Farm Ranch program piece of cake. No HO-3 in this State will touch that risk do too Horses

You're kidding me. In California horses are factored into the risk? In IL, I don't see any carriers that care. All they care about are dogs.

92builder · Post by **92builder** » Wed Jul 26, 2006 9:56 am

well, ya know, horses do attack ppl; I seen it on television...

Matt · Post by **Matt** » Wed Jul 26, 2006 12:17 pm

I have a few markets that can fit this I can do regular HO-3 form with an animal exclusion or I can do it as a farm package. There is more than one option for a risk like this again my name is Matt and you can contact me at Abram Interstate 916-780-7000.

sanddog1 · Post by **sanddog1** » Wed Jul 26, 2006 6:15 pm

Independent guy, True story happen in Bishop Ca. Horse got out of pasture private property. Simple walk out on to hwy 395 and Total the car ( no one died) Thank the Lord. I would say with what experience I have with live stock 75% of the animal keepers are very poor at fencing

sanddog1 · Post by **sanddog1** » Wed Jul 26, 2006 6:21 pm

Matt, there is not a single HO-3 admitted carrier in CA that will write this Risk. The entire risk centers around Liability, why would you offer and animal exclusion? You're asking for E & O claim and time in court regardless of any exclusion. And yes there are several carriers that will exclude like Pacific Specialty, Travelers, Allied, Hartford.

independent guy · Post by **independent guy** » Thu Jul 27, 2006 7:23 am

sanddog1 wrote:Independent guy, True story happen in Bishop Ca. Horse got out of pasture private property. Simple walk out on to hwy 395 and Total the car ( no one died) Thank the Lord. I would say with what experience I have with live stock 75% of the animal keepers are very poor at fencing

That makes sense... I once drove up on a wreck where a horse got out and a drunk driver hit it. It was horrible, because the horse kept trying to get up on a compound fracture and needed to be put down immediately... I almost felt bad for the drunk driver, because no sober person would have been able to stop either quickly enough either.

So how exactly are horse farms covered in California? Does anybody write hobby farms out there?

sanddog1 · Post by **sanddog1** » Thu Jul 27, 2006 5:46 pm

Cal-Farm and Ranch, Allied Ins., Has a Farm Program I don't use it much not my bag. The Hartford has made exception for me in the past 4 or 5 horses

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