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Keith B wrote:..he owner has a duty to fence and keep the animal in. If there is negligence on the rancher's part in that they failed to properly fence or neglected to maintain the fence and the cow got out, then they are liable. However, if no negligence can be shown on the farmer's part, then your insurance will have to cover the accident.

We own a small ranch and raise exotics (blackbuck antelope.) When we bought the place five or six years ago I was amazed at how high our homeowner's insurance was. Our house is pretty small so I questioned the Farm Bureau agent about the price - he said "animals." There is an assumption if you have acreage, you will have animals. If you have animals, you could have liability issues.