insuring my mare
I am thinking of insuring Breeze.Heres some info...
4motnths pro training
totally sound-never had any health issues.
if it helps i gave $3200 when she was a yearling & i have over $4000 in train/board,farrier,vet,food,ect.
here are some pics.they're all atleast 2months old.sorry.
i think that you might end up spending (another) small fortune with insurance costs. Have you priced it out yet?
only reason I ask: the 2 WB's that came over from Germany at my barn were insured....cost $5000 a year. per horse. :shock: (didn't cover loss of use or vet visits (except for major surgery) )
What are your main reasons for wanting to insure her?
BTW, i love her chocolate color :)
Thanks! When I bought her her mane/tail were snow white!
Just hearing about all the trailer wrecks,barn fires,colic,ect...scares the crap out of me. She definetly wouldnt be insured for more then $20,000...she's only worth $8000-$12000, so it wouldnt be like a couple hundred grand or more. If its in reason I want to do it because that the most valuable horse I have at the moment & I eould be showhorse-less, & best friend-less. If any of that makes any sense....
Well right now I have my 2 current horses insured for Major Medical and Accidental Death as well as my tack. This year I need to my horse trailer and my 3rd horse which I just bought.
I just got the invoice for the 2 horses and the tack and it is $350.00 for the year. As I have said tho I need to add another horse higher up the insurance for my tack and add the trailer.
Hope it helps.
Insurance can be as expensive or 'cheap' as you want it to be, dependent on the cost of your horse and how much you want it to cover. I just recently insured my $10,000 pony for death, accidents, major medical, surgery (up to $10,000). and it was about $750 a year. (it was through Equi-sure and I have a USEF discount). He's an investment pony and I had a kid start leasing him so I wanted to make sure all of my bases were covered in case something happened.
I just got some new info. Next year I will be increasing(big increase) my insurance on both horses. That means I will have to get a vet check done first and get some forms signed.
There are a lot of options with equine insurances which can affect the costs and what you pay for your horses. Because my horses are only yearlings I am not concerned yet as to how much I have them covered. Next year when I start working with them then I will be adding major medical and surgical onto my policies. Thats where you expenses really kick in.
It can be hard to understand when it's your first time dealing with this. I would give a call to your insurance company, whichever one you choose and ask them to explain it to you :)
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