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4. A client had a $400,000 home, three-car garage, pool and pool house, as well as a $120,000 six-stall horse stable and two personal horses. Should he or she use homeowners policy or farm insurance policy? Explain However, if the client decided to allow four people to board horses for $800 a month, ride on their property, and bring an instructor onto the property. Should he or she use homeowners policy or farm insurance policy? Explain.