About 'horse life'|The Horse Life
If you own or lease a horse, you need to consider equine insurance coverage. There are a number of different types of equine insurance coverage, so before your purchase a policy or policies, you should evaluate your needs based on the value of your horse, how it is used and your personal financial situation. Among the types of horse insurance are the following. Personal Horse Owners Liability Insurance. This is insurance that protects you in the event that you are sued because of harm caused by your horse and makes payments in the event that your horse causes property damage or bodily injury. This coverage does not extend to someone riding your horse. Your homeowner's insurance policy or umbrella liability policy may provide some coverage to others who ride your horse, but it is a good idea to check with your insurance agent before making this assumption. Equine Mortality Insurance. This is life insurance for a horse. Whether you need it and for what amount depends on the value of your horse. If you own a relatively inexpensive horse that is used for recreational riding, you may choose to forego it. On the other hand, if you own valuable show horses, you may want to purchase equine mortality insurance. To obtain mortality insurance for your horse you will need to estimate its value. This can be done by using a bill of sale, an appraisal or the price commanded in the sale of a comparable horse. In addition, for some horses, you may be able to estimate value based on a percentage of prize winnings or training costs, performance levels and so on. One reason to consider mortality insurance is that you cannot obtain major medical and surgical insurance for horses except in conjunction with mortality insurance. Equine Major Medical and Surgical. This is an add-on to equine mortality insurance and cannot be purchased separately. Some mortality insurance includes limited coverage for colic surgery (usually up to 60% of the value of the horse to a maximum limit of $3,000), but you may want additional coverage for other illnesses and injury since veterinary fees for horses can be high. If your horses are part of a business, you may need additional horse insurance or commercial policies. As with any insurance, shop around and compare rates and coverage before purchasing a horse insurance policy. One good way to find a reputable company that provides equine insurance is to ask to other horse owners who already have insurance for recommendations. In addition, you can check with specialty insurers like Fry's Equine Insurance, which advertises that it is one of the oldest equine insurance agencies in the country (see www.frysequineinsurance.com) or Markel Insurance Company (see www.horseinsurance.com). When applying for horse insurance, be prepared to provide detailed information about your horse including its value, its age (after age 15 there probably will be restrictions on coverage), how it will be used, how it will be cared for, whether you provide certain medical care such as vaccinations yourself, who will be using it, and so on. If your horse is worth more than $50,000, you will probably need a health report from your vet. Sources: www.frysequineinsurance.com; Equine Insurance/Horse Insurance Business www.horseinsurance.com, Markel Insurance Company www.mize-insurance.com, Horse Insurance FAQs www.horse-sense.org, Jessica Jahiel's HORSE SENSE Newsletter Archives |
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