Is there a quick method to check if a horse or chest (or other Object Ref) will not trigger the crime system if the player activates it?

In Oblivion, OBSE provided a quick one-shot method, objRef.IsOffLimits (activatorRef), which checks if the objRef is ok for the activatorRef to activate.

In Skyrim, I'm currently using:

If (!horseRef.GetActorOwner () || horseRef.GetActorOwner () == playerRef.GetActorBase ()) && (!horseRef.GetFactionOwner () || horseRef.GetFactionOwner () == PlayerFaction)    //ok to activateEndIf

EDIT: I think I need to also add "&& (playerRef.IsInFaction (horseRef.GetFactionOwner ())".

SKSE also has an IsOffLimits() function which is used in Sometimes Pick Up Books to identify books that would give a crime. I don't know how it's implemented internally, but it's probably a better starting place than all of those owner and faction tests even if you have to add in one or two more.