Urban Goats and Insurance
There’s been a lot of talk about the benefits of backyard goats but in addition to dealing with community regulations, insurance is a concern. Some insurance companies will not write a homeowner’s policy for a city dweller that owns livestock and others will cancel your policy if you bring a goat home and they get wind of it.
Goats in particular are considered destructive. Well, actually, they are destructive if not properly housed so there’s no “considered” to it. Insurance companies don’t want to pay claims because your goat ate the siding or broke out the first story windows. It’s not just destruction to your property that concerns them. Keeping livestock raises liability issues. If your goat gets out and causes an accident or damage to someone else’s property and a claim is filed, your insurance company has to pay.
So before you rush out a get a goat or two, call around to insurance companies. Particularly check into the ones that cater to farmers.