Crossword Genius

What an individual on horse might have at home (7)

Ross

I believe the answer is:

habitat

I'm a little stuck... Click here to teach me more about this clue!

'home' is the definition.
(I know that home can be written as habitat)

'what an individual on horse might have' is the wordplay.
I cannot quite understand how this works, but
'an' could be 'i' (Roman numeral for one) and 'i' is found in the answer.
'on' could be 'at' (I've seen this in other clues) and 'at' is located in the answer.
'horse' could be 'h' (abbreviation as in horse power) and 'h' is found in the answer.
This may be the basis of the clue (or it may be nonsense).

'at' is the link.

Can you help me to learn more?

(Other definitions for habitat that I've seen before include "Living environment" , "Natural home of a plant or animal" , "One's normal environment" , "Shop founded by Terence Conran" , "Local environment" .)

I've seen this clue in The Sunday Times and The Times.
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