I'm in Illinois. I have discussed all this with my insurance agent and yes I know what all my policies are and what they say, I am not confused, nor am I uninformed. I also know that the IELA applies to the riders and what all my state statutes say, that's my job to know. Yes all my equipment is covered, regardless. No I don't use expensive equipment to go beatin thru the woods and the creek and the brambles, that would be silly. I do not board anyone's horse, nor do I have a farm. Yep, ole whiskered pointy ears is on my homeowner's and I am not confused. Sounds like you should go meet with your legislators to get a better SAR environment on MSAR in PA, though. Maybe they aren't aware or are uninformed.:)
Susan
Illinois (and glad to be there)
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