Homeowners insurance, home insurance, home policy — however you may refer to the insurance product you have purchased to protect you and the house you live in may not pay a penny for anything if your home is not, well, just your plain old vanilla home.
Have a few horses? I recently had the pleasure of spending a week on a farm in Montana. Incredible city and state, and seeing as how I’m a city boy, being able to be on a working farm and have my day start with a rooster was truly surreal. And yes, I stayed in a house. A good old-fashioned single-family home. Like any other home, right? The owner will have a homeowners insurance policy to protect them like any other homeowner, right? Well, probably not. While the house itself is like many others, the livestock on the premises — though, to my chagrin, the farm dogs weren’t permitted in the house — make the overall risk of damage entirely different than that of a home in, say, the middle of the city.
