I've been riding off and on for quite some time. I still consider myself a beginner. I broke my arm from a riding fall about 10 years ago so I still get scared sometimes on the back of a horse but I still find it too fun to stop riding altogether. As of now I only walk and trot, too scared to canter. I have been leasing a horse and have considered buying one because all the horses I lease either move or I have to stop riding them for some reason or another. The lady who owns the barn I'm at now told me about a 15 year old paint that she thought would be good for me. I was wondering if you guys think that is too old or if I should go for a younger model. Also, do you guys think that horse insurance is worth it? I don't mind the horse being older, its kinda nice, but most insurance companies only cover horses that are 15 and under. I have plenty of people to help me to choose the right horse but I'm looking for help anywhere I can get it.