Insurance for tack?
   

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Insurance for tack?

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  • Insurance for horse tack
  • Is my horses tack insured

 
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    04-13-2013, 01:18 PM
  #1
Yearling
Insurance for tack?

I have been thinking about the need for insurance for my tack and such. I have so much tack, that if I ever lost it all, im not sure I could replace it. I don't want insurance on my horse, nor do I have omeowners or renters insurance that might cover it? Is there somewhere that I could just get tack AMD equipment insurance? I googled a bit, and didn't come up with much. What I did see was something that stated tack insurance only covers if the tack is locked in a secur. Building and such. Which I don't have. My tack is stored in my bo's unlocked trailer and tobacco barn. There's some not so clean people that bought property behind hers, and I don't want my things to come up missing. I also don't want to haul back and forth from my house either. Any suggestions?

Disclaimer. I tried to make my post grammar and error free, but my phone is messed up...
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    04-13-2013, 01:41 PM
  #2
CCH
Weanling
If it has a value of greater than 500-1000 and you are willing to pay the premium, there must be a company willing to insure it.

Our is insured as a special rider under the farm policy and again as a rider on the vehicle/trailer policy because half of it is usually at home and half in the trailer. Now I should say that I have collected some expensive pieces over the years. A good used cutting saddle is still worth 2500, so it really adds up.

If you aren't willing to get homeowners or renters, you should check with your vehicle insurance agent or one of the horse insurance companies. It may even be possible for your BO's farm policy to covers damage/theft of boarder's items but again it would be a special option that they would have to pay for. Also no insurance company is going to insure an item they haven't been made aware of. They need a brief description and the value in order to determine the premium.

Sorry there isn't a more specific answer.
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    04-13-2013, 01:44 PM
  #3
Yearling
That's a start. I'll look up horse insurance companies and start from there. That broadens my search from just tack insurance. Thanks.
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    04-13-2013, 01:53 PM
  #4
Foal
Although the rules might be different in the states, up here in Canada, home owners or renters insurance won't cover your tack unless its in your house. If its in the barn, you need the farm insurance (I think). I don't own a farm so I don't know.

What we do have here is provincial insurance. I'm in Saskatchewan and we have the Saskatchewan Equine Insurance. You have a bunch of different options. You can insure yourself if you get hurt riding for $50 a year. If you have tack, then you can add your tack on if it gets stolen or wrecked and you can add your horses if want. I say, ask around like you are doing. Others might have more of an answer than me, but there are options out there.

If you have any big boarding stables or even riding stables around or tack stores, maybe try giving them a call. The $50 insurance is a must if you are even taking lessons herein Sask (a must by the bigger stables because they could lose their licence). So that's why something like the riding stables might know of an insurance company that might help you.
     
    05-03-2013, 05:08 PM
  #5
Foal
Quote:
Originally Posted by OutOfTheLoop    
I have been thinking about the need for insurance for my tack and such. I have so much tack, that if I ever lost it all, im not sure I could replace it. I don't want insurance on my horse, nor do I have omeowners or renters insurance that might cover it? Is there somewhere that I could just get tack AMD equipment insurance? I googled a bit, and didn't come up with much. What I did see was something that stated tack insurance only covers if the tack is locked in a secur. Building and such. Which I don't have. My tack is stored in my bo's unlocked trailer and tobacco barn. There's some not so clean people that bought property behind hers, and I don't want my things to come up missing. I also don't want to haul back and forth from my house either. Any suggestions?

Disclaimer. I tried to make my post grammar and error free, but my phone is messed up...
Posted via Mobile Device

I was on another forum and someone mentioned this for the States. USEF The United States Equestrian Federation

They have insurance as a rider, I'm not sure about tack though. Perhaps give them a call and see if they do. I know our SHF does have a tack insurance option when applying for the personal insurance. Sorry, I haven't looked on the USEF website to see what they have, but I wanted to post it for you before I forgot.
     
    05-03-2013, 05:27 PM
  #6
Green Broke
I have $10,000 tack coverage included with my horse trailer policy. Some of my tack is in the house and some in the trailer.
My trailer values at $17,000, $10,000 tack and I think my premium is $450 a year, $500 deductable. You can get additional coverage for tack which I did, but I forgot the increments of pricing. (The tack must be in the trailer for it to be insured if stolen or damaged) It was cheaper than going through my auto insurance and it didn't cover tack, just the trailer itself.
I believe the insurance is through The Creelman Agency.
     
    05-03-2013, 05:33 PM
  #7
Yearling
Quote:
Originally Posted by MiniMom24    
Although the rules might be different in the states, up here in Canada, home owners or renters insurance won't cover your tack unless its in your house. If its in the barn, you need the farm insurance (I think). I don't own a farm so I don't know.

What we do have here is provincial insurance. I'm in Saskatchewan and we have the Saskatchewan Equine Insurance. You have a bunch of different options. You can insure yourself if you get hurt riding for $50 a year. If you have tack, then you can add your tack on if it gets stolen or wrecked and you can add your horses if want. I say, ask around like you are doing. Others might have more of an answer than me, but there are options out there.

If you have any big boarding stables or even riding stables around or tack stores, maybe try giving them a call. The $50 insurance is a must if you are even taking lessons herein Sask (a must by the bigger stables because they could lose their licence). So that's why something like the riding stables might know of an insurance company that might help you.

Is this the insurance through the SK Horse Fed? And I didn't know I needed insurance to take lessons... eek! Please send me info!
     
    05-04-2013, 11:53 AM
  #8
Foal
Quote:
Originally Posted by xxdanioo    
Is this the insurance through the SK Horse Fed? And I didn't know I needed insurance to take lessons... eek! Please send me info!
Ya. This is the Saskatchewan Horse Federation Inurance (also known as membership). It's $50 for the year for the basic membership. I would ask who does your lessons. If you needed it they probably would of told you and wouldn't of started lessons unless you showed them the insurance card.

Individual Membership - Saskatchewan Horse Federation



Special Notes on Coverage Restrictions
1.Coverage excludes the riding of a member’s horse by any person who is not a member in good standing of an Equine Association or who is not an equine professional or not riding the horse on a pre-purchase test ride.

This is usually why you need the insurance for lessons. Off you were together then their insurance won't cover you. So you need insurance to cover yourself.
     
    05-04-2013, 12:03 PM
  #9
Yearling
Oooh. So if I'm riding my own horse I don't need it?

Our App shows changed this year. Previously we only needed app club of Canada membership, but this year we need sask app club or horse fed in order to have insurance. Will probs get horse fed cause its cheaper and has more options.
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