Horse insurance - The Horse Forum

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post #1 of 11 Old 04-04-2013, 11:15 AM Thread Starter
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Horse insurance

What do you think about having insurance on roses? Do you have it?

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post #2 of 11 Old 04-04-2013, 11:26 AM
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Insurance on roses? Lol. I know what you meant though. I don't own a horse, nor do I know anyone who has insurance, but I'm subscribing to this thread because it's something I'm curious about as well. I thought if I ever do get a horse, it might help relieve worry over the possibility of vet bills.
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post #3 of 11 Old 04-04-2013, 11:27 AM
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Insurance on roses? I'm sure my agent would look at me funny.

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post #4 of 11 Old 04-04-2013, 11:29 AM Thread Starter
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Originally Posted by wetrain17 View Post
Insurance on roses? I'm sure my agent would look at me funny.
*****horses*******
Sorry xD

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post #5 of 11 Old 04-04-2013, 06:36 PM Thread Starter
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Does anyone have insurance on thier horses? If I lease this horse I might be getting I'm going to have to get insurance on it. Bc that's what the owner want and is one of the things she has Rohan's for me to lease him.
Help would be appreciated

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post #6 of 11 Old 04-04-2013, 07:48 PM
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I have never heard of a leaser purchasing insurance for a horse they do not own. Insurance for yourself? Yes.

I have both my mares insured through my own insurance. I also have my saddles insured. I pay once per year (can't remember how much), and it insures them against barn fire/trailer accident/death due to surgery (I think). If any of those were to happen, I would be payed their worth.

I think that would honestly be something that is up to they owner to pay, unless the horse/tack/what have you was already insured and the owner has included that cost in your lease fee. Just my 2 cents.
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post #7 of 11 Old 04-04-2013, 08:24 PM
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My mare is insured, I pay once a year for Mortality and Medical. Its an easy process.

I have heard of leases being insured, to protect yourself should something happen to the horse while you were using it. Otherwise you could be liable for the full worth of said horse.
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post #8 of 11 Old 04-04-2013, 08:46 PM
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Yes. It gives me peace of mind that he's covered and wouldn't drain my bank account should something happen.
It's common here to carry insurance on a leased horse - premium paid by the lessee, paid out to the owner of the horse.
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post #9 of 11 Old 04-04-2013, 08:57 PM Thread Starter
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Originally Posted by beverleyy View Post
I have never heard of a leaser purchasing insurance for a horse they do not own. Insurance for yourself? Yes.

I have both my mares insured through my own insurance. I also have my saddles insured. I pay once per year (can't remember how much), and it insures them against barn fire/trailer accident/death due to surgery (I think). If any of those were to happen, I would be payed their worth.

I think that would honestly be something that is up to they owner to pay, unless the horse/tack/what have you was already insured and the owner has included that cost in your lease fee. Just my 2 cents.

Okay that helps I wasn't sure what it covered and it is covered in the lease.

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post #10 of 11 Old 04-04-2013, 08:59 PM Thread Starter
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Originally Posted by JustDressageIt View Post
Yes. It gives me peace of mind that he's covered and wouldn't drain my bank account should something happen.
It's common here to carry insurance on a leased horse - premium paid by the lessee, paid out to the owner of the horse.
Oddly down here its pretty uncommon at least in the area I live in

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