Insurance for your tack... Does anyone have this?

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Insurance for your tack... Does anyone have this?

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  • How much is tack insurance
  • Will my renters cover my horse saddle

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    08-21-2012, 12:37 AM
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?
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    08-21-2012, 03:29 AM
I've actually never heard of insurance for your saddle... I certainly don't have it.
    08-21-2012, 03:52 AM
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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    08-21-2012, 09:41 AM
Green Broke
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.
    08-21-2012, 09:50 AM
Green Broke
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 can't use trailer or tack for any type of business. WHich I don't.
Your tack can be insured through your trailer, home, farm, or renters policy. Depending on where you keep it. TAlk to your agent.
    08-21-2012, 09:52 AM
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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    08-21-2012, 11:39 AM
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?
    08-21-2012, 12:44 PM
Green Broke
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.
    08-21-2012, 05:20 PM
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.
    08-21-2012, 06:01 PM
Green Broke
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.

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