Insurance for your tack... Does anyone have this? - The Horse Forum
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post #1 of 12 Old 08-21-2012, 12:37 AM Thread Starter
Join Date: Mar 2012
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Insurance for your tack... Does anyone have this?

I've been doing some spring cleaning and starting to realize just how much tack I have and what the value of it is. Plus, I've got some higher end saddles and equipment that in all honesty I'm a bit paranoid about.

Anyways, I got on a mental roll, and now that I'm starting to show, my paranoia is ramping up. Stories and articles about stolen tack have me thinking, How secure is my stuff? And if it got stolen then what? My saddles fit me like cinderella's shoe. I don't even want to think of losing them. But if the worst happened, I'd like to know I'm covered.

What do you pay for insurance coverage of your tack? Do you have an umbrella policy or just homeowners?

Are most policies for full replacement value or do you have to specifically choose a policy that is full value? I could imagine that arguing over the depreciated value would not likely fall in my favor.

Has anyone had the unfortunate situation of stolen/destroyed tack and filing a claim? What was your experience?

It's a lot like nuts and bolts - if the rider's nuts, the horse bolts! ~Nicholas Evans
KarrotKreek is offline  
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post #2 of 12 Old 08-21-2012, 03:29 AM
Join Date: Jul 2011
Location: Missouri
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I've actually never heard of insurance for your saddle... I certainly don't have it.

"Strength is the ability to use a muscle without tension"
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post #3 of 12 Old 08-21-2012, 03:52 AM
Join Date: Jun 2010
Location: Southern California
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There is actually a saddle registry out there, you sign your tack up and if it's reported stolen and then they find someone trying to sell it they help you out somehow (
But I'm not sure how effective it would be...
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Zeke is offline  
post #4 of 12 Old 08-21-2012, 09:41 AM
Green Broke
Join Date: Jan 2012
Location: Minnesota
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Renters Insurance. If you board, you are renting, if you keep tack there it's covered. My renters insurance covers my apartment then 10% applies to a second location. So with $20k for my apartment I'm covered up to 2k at the barn. When I start accumulating more tack I will talk with my insurance agent to see if it would be better to get a second policy or triple my renters. Homeowners insurance should also cover a second location at a percentage. If your house is your barn I would have an umbrella policy.
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post #5 of 12 Old 08-21-2012, 09:50 AM
Green Broke
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Location: Surry, Va
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you need to talk to your insurance agent. There are many ins and outs. My tack is insured through the policy on my horse trailer. It didnt need to be itemized just inventoried ( I used a digital photo). Also I cant use trailer or tack for any type of business. WHich I dont.
Your tack can be insured through your trailer, home, farm, or renters policy. Depending on where you keep it. TAlk to your agent.
Joe4d is offline  
post #6 of 12 Old 08-21-2012, 09:52 AM
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Location: Alberta, Canada
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If you have horse insurance, you can usually tack your tack on top of that. Homeowners' insurance will usually cover it as well.
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post #7 of 12 Old 08-21-2012, 11:39 AM
Join Date: Aug 2012
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What Joe4d said...and I'll emphasize keeping receipts, serial numbers, take photos, etc. so if something were to go wrong the process for replacement will be much easier.

Hopefully you never go through that but I'd also like to hear advice given on barn security - what others do for that. Dog? Lighting? Locks?
TackJack is offline  
post #8 of 12 Old 08-21-2012, 12:44 PM
Join Date: Jul 2011
Location: Portland, OR
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Yep, homeowner's or renter's will often cover property at another location. Call your insurance provider and ask specifically how much they will cover for personal property stored somewhere else.
verona1016 is offline  
post #9 of 12 Old 08-21-2012, 05:20 PM
Join Date: Jan 2011
Location: Ontario
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A noted trainer was robbed while off at a show. Someone knew his schedule and went shopping. Fortunately his stuff was insured. The gal with the sticky fingers was apprehended. Those of us who'd bought from her knew her so it didn't occur to us that anything might be stolen.
Saddlebag is offline  
post #10 of 12 Old 08-21-2012, 06:01 PM
Join Date: Jun 2010
Location: The sandbox
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Our tack is insured through my horse trailer insurance policy.
Even though I was not required to make an inventory list I made my own and took pictures in the event something is stolen.

COWCHICK77 is offline  

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