Horse owners have special insurance needs. Standard homeowners or farm owners insurance does not adequately cover equine operations such as the breeding, boarding, transporting or training of horses.
Special Coverages for Horse Owners
- Equine Property Endorsement
- Damage or loss to tack and equipment
- Spoilage of animal health products
- Replacement of signs
- Coverage for fences, corrals and pens
- Professional Services
- Liability for trainers — property damage coverage for non-owned horses
- Stable Liability
- Liability coverage for stable owners’ operations
- Care, Custody and Control
- Covers livestock which are in your care, custody and control
- Equine Mortality
- Including accident, injury, sickness and disease
- Standard Coverages
- Dwelling
- Other Private Structures
- Household Personal Property
- Liability Coverages
- Scheduled Farm Personal Property
- Blanket or Unscheduled Farm Personal Property
- Additional Coverage
- Pollutant cleanup and debris removal for $10,000
- Fire Department service charge with no sub-limit
- Damage to property removed for safekeeping
- Removal of fallen trees near your residence
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