Many years ago I dropped my homeowner's insurance cause they doubled my premium because of so many policies they had to pay out west. We live in the Eastern shore of Md. Since it was a bad time for us financially and our home was paid for I just couldn't renew. Several years later I dicided all I wanted was fire insurance to prevent the total lose of our home. They told me since we have more than 3 horses on the property we would have to get FARM owners insurance. OK! Then we were told we couldn't get FARM owners insurance cause we have a DOUBLE WIDE and not a "stick built" house!! Can't win for losing. As long as we inform visitors (we have so few) that there is a hole, tricky step, etc and they know it is there and trip or fall anyway we are not responsible. All they would get if the sued us is a barn full of 15 yr old fancy pigeons, one old cat, and twenty or so yr old geese and ducks. Even the youngest of the 8 horses and ponies are at least 10 yrs and several are twenty or so.