Whoever is writing your policy should know about the coverage they are offering. If the local agent does not, go up the food chain.
You don't seem to understand. Equine insurance is totally seperate, at least anywhere I have lived. THere IS no local agent who does horse stuff. THere was one who would write a farm policy, but I don't have a farm. This is just for the individual horse(s). Has nothing to do with going up the "food chain". For example, auto is with Progressive. No matter HOW high I go in the "food chain" they don;t insure horses, and my agent for auto and home does not underwrite for any carriers who do. Simple as that. Horses are specialized. Much like my son has specialized insurance for his show car.
Star H comes very highly recommended by my trainer who has used them for years.