Insurance question - The Horse Forum
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post #1 of 7 Old 07-22-2010, 03:43 PM Thread Starter
Join Date: Jul 2010
Location: Kansas
Posts: 33
• Horses: 5
Insurance question

For those of you who own horses : Do you have liability insurance on your animals? I don't currently, but I'm thinking that perhaps I should get some - just in case. Any input (pro or con) would be appreciated!
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post #2 of 7 Old 07-22-2010, 04:33 PM
Join Date: Apr 2008
Location: Orange County, NC
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Assuming you're not using your horse(s) as part of a business, check your homeowner's policy. Our homeowner's policy covers liability for our horses and they even consider the risk less than having certain breeds of dogs.

On the sixth day, God created the Quarter Horse.
On the seventh day, he Painted the good ones.
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post #3 of 7 Old 08-09-2010, 04:17 PM
Join Date: Aug 2010
Location: Topeka, KS
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I know in Kansas if you join the KS equine council you can get $1,000,000 for I think $50/yr. You may also add incedental farm (horse liability) to your home insurance for a minimal amount.

Given the fact that it is so inexpensive, I honestly can't undertand why someone wouldn't carry it.
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post #4 of 7 Old 08-12-2010, 01:54 PM
Join Date: Jul 2010
Location: England :)
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It is a fairly inexpensive thing to get, and I would reccomend having it! We get third party liabilty insurance as part of my pony club membership.
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post #5 of 7 Old 08-13-2010, 08:45 PM
Join Date: Aug 2010
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I have my horses insured through an equine insurance company for mortality only. I'm in the process of purchasing a foal, and I'd hate for something to happen to him when I don't own him 100% yet. My homeowner's insurance doesn't cover my horses.

~And on the 6th day God created the Quarter Horse. On the 8th day, he painted the good ones.~
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post #6 of 7 Old 08-16-2010, 02:01 AM
Join Date: Sep 2007
Location: Maryland
Posts: 1,348
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I would definitely look into it. I think it's something everyone should have. It's not too expensive monthly and it can save you from dealing with a very expensive accident.

Last edited by Supermane; 08-16-2010 at 02:04 AM.
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post #7 of 7 Old 08-16-2010, 02:09 AM
Join Date: Aug 2010
Location: ut
Posts: 366
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Ya here in Utah you can get the million dollar insurance you only have to pay $7 a month
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