Insuring Horses

Hey guys, I’m curious what your opinions are on insuring your horses?  I have 3 here at home, 2 of which I own.  None of them are high dollar horses.  That being the case, I currently just have them declared in my home-owners insurance policy.  This is the way I’ve always done it in the past, but am curious what experience others may have had with this.  Since they’re not going anywhere and they’re not big money horses, is it necessary to carry actual equine insurance policies on them?

2 Responses to Insuring Horses

  1. Vintage_Rider says:

    I never thought about the homeowners policy… I assume that is for loss due to fire/flood/theft? Not mortality?

    I don’t know if you can get major medical without purchasing mortality, but it is pretty cheap considering what any kind of surgery costs. I think I pay $234 a year on the major medical.

  2. Jade says:

    You can certainly still insure your horses even if they aren’t valued very high. Is it necessary? That depends on you. I just purchased a mare back in December.. and i know that I could never afford surgery- let alone any other expensive medical procedure. To me- my major medical is necessary.

    There is at least one company I am aware of that will allow you to purchase a low Mortality policy with higher Major medical coverages for about $550 a year. There are definitely lesser premiums out there- just depends on you’d like. I can give you a quote- as I am a licensed Equine Insurance Broker out of Mass. Send me an email and I can help you out.
    my email is
    -Jade Stanbrook

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