It may not.  Most Homeowner and many Farmowner policies exclude liability for Livestock.
Pets such as dogs and cats are generally included, but horses are in most cases considered Livestock and
you may not be covered for an injury or property damage caused by your horse.  Specialty insurance
companies offer this insurance under Personal Horse Owners Liability and Commercial Horse Liability
coverages.  It is available as a stand­alone policy, or in conjunction with an Equine Farmowners
package policy.  Considering the damage that can be done, often just by accident, by any animal as
large and powerful as a horse, it would be advisable for any horse owner to look into this type of
insurance.