question on insurance for the U.S.
 
 

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question on insurance for the U.S.

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    11-18-2011, 07:05 PM
  #1
Yearling
question on insurance for the U.S.

I just made a huge investment in tack (about $3K) for my new horse. It's stored in the tack room at the barn where my boy is boarded.

I asked the insurance company that has my homeowner's insurance, and they say since the tack is stored off-premises, it's not included in that policy.

I hate to think about having to replace it if it gets stolen, or if the tack room burns down or some equally horrible thing. How do you other boarders handle insurance on your tack?
     
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    11-18-2011, 07:57 PM
  #2
Super Moderator
WE have none. If the saddle is worth more than a thousand, I'd keep it at home. But I know that's a hassle. All my gear is mediocre, though I'd hate to lose it in a fire.
     
    11-19-2011, 12:23 AM
  #3
Yearling
It can be a pain, but my saddle and bridle come home with me each day...I actually don't mind all that much since where I am able to park is really close to where I tack up. That way my homeowners covers it should something happen to it at home, and my auto would cover should something happen in my car.
     
    11-19-2011, 12:31 AM
  #4
Foal
Ask about renters insurance?
     
    11-19-2011, 01:35 AM
  #5
Yearling
Ask your BO if they have insurance for goods in their barn. If they have a fire, your tack is destroyed, there should be some provisions in place.
I do Not know the legalities of this.
However, years ago a supply shed burned down where I boarded, and the BO reimbursed me for the goods I lost.
As far as theft goes, I can't imagine the BO putting in a claim for your saddle, unless she was wiped out and all the tack in the barn was stolen.
     
    11-19-2011, 07:54 AM
  #6
Yearling
Huey's hard to fit and so am I, and the only saddle that worked for both of us was an ANKY Salinero, so the saddle alone, without the leathers & stirrups is worth quite a bit more than a thousand. I drive a smallish sportscar & can't haul the saddle back and forth without it getting banged up all to heck, and I don't have anywhere to store it at home where it wouldn't be in the way. So it's got to stay. I also have a couple pairs of boots and the rest of his tack there.

It's a fairly small barn, it's out in the country, and the BO lives on the premises, someone who doesn't belong there is going to stick out like the sore thumb, and I am pretty sure that if someone came in in the middle of the night the horses would make some noise (I am pretty sure that Huey would set up a racket on the expectation that it was Time To Eat ).

I am mostly concerned about fires and stuff. I'll talk to the BO about it. If I need to, I can probably get some additional insurance.
     
    11-19-2011, 08:26 AM
  #7
Showing
Very interesting question. I've never boarded so I've got no clue. I'd definitely ask your BO first. You might also talk to an insurance company that does farm/livestock type policies if they could do some type of blanket type coverage for equipment.

I have an additional blanket for mine with our farm/home policy but it does cover off property when it's in the trailer that's also covered under the same policy. I will say that it is absolutely worth it to have that coverage. We had our barn cleaned out in '98. 13 saddles, dozens of headstalls, medical supplies, they even took halters off horses heads that were in stalls. The only good thing, all the show tack stays in the house. We recovered one saddle out of the whole lot. If it wasn't for insurance it would have been a huge struggle to replace it all. I still miss my old Cleburne that was taken then. Someone is enjoying that darn saddle, wonder if they enjoy that my name is tooled on it, jerks.
     
    11-20-2011, 02:33 AM
  #8
Foal
Most barns do not cover boarders tack. Check again with your home owners policy. It takes a special "writer." Just like your home owners policy does not cover your jewelry, you have to purchase that on a "writer" also. (not sure if that is how you spell "writer?")
Keep checking with your agent, he may just not have written one for equestrian tack before. If you keep your tack at home, also check, you probably also need that written separately also.
     
    11-20-2011, 05:53 AM
  #9
Trained
Quote:
Originally Posted by proequine    
Most barns do not cover boarders tack. Check again with your home owners policy. It takes a special "writer." Just like your home owners policy does not cover your jewelry, you have to purchase that on a "writer" also. (not sure if that is how you spell "writer?")
Keep checking with your agent, he may just not have written one for equestrian tack before. If you keep your tack at home, also check, you probably also need that written separately also.
I believe if it "rider". THis is an interesting question. I would guess maybe if you ask your agent how they deal with furniture etc. stored off premises.....should be similar, I would guess. I am really surprised that the BO policy would not cover. Most BO's who have boarders have larger policies than those who just have their private animals....lots of that is libility, but I would think barn and contents....?
     
    12-19-2011, 07:38 AM
  #10
Foal
Oh....how much is homeowners insurance that you have taken?

Some Homeowners Insurance Companies will let you Tag on extra adder Policy for Excessive Value of Personal like Saddles, Guns, Jewelry, etc.

Depends on the State Rules too , not just the Particular Company

I once had an adder for excessive value on certain Items and is was an extra 85.00 a year added to the Homeowners.

Most Homeowners have small personal policy limit and a high deductible, that is why an adder policy helps in many cases.
     

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