Horse owners know that their animals bring a lot of joy, fun and companionship to their lives. However, all the admirable qualities that horses have–their speed, their size, their behaviors–can quickly turn into liabilities if they are injured. Horses represent very large investments, both financially and emotionally, and just like any other investment you want to shield it as best you can–and you can with horse insurance. Just like it sounds, these policies can protect not only your horse, but you, onlookers, and property. Even the most experienced equestrian can have a mishap; insurance can go a long way in covering just about any scenario.
What Can Horse Insurance Cover?
Injury to your horse is probably the first thing that comes to mind when thinking about insurance, but have you ever considered what you would do if your horse was stolen? Insurance can cover losses incurred due to theft. If you live in an area prone to severe weather or seismic events, insurance gives you peace of mind that your horse would be protected. If you own a stallion used for breeding purposes, if something should happen to him that causes infertility, that can be covered as well. Horses used for rodeos or similar organizations can also be insured.
What Kind of Insurance Will You Need?
Just as with people’s insurance, horse insurance comes in many forms and at many prices. Animal insurance companies will be more than happy to discuss what insurance will and won’t cover on your horse, be it a children’s riding pony or an active racing thoroughbred. It can also be determined what coverage would be optional and steer you away from unnecessary–and expensive–extras, or in turn alert you to coverage that could prove crucial for your particular horse.
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