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Kendall 04-04-2013 11:15 AM

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

NowOrNever 04-04-2013 11:26 AM

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.

wetrain17 04-04-2013 11:27 AM

Insurance on roses? I'm sure my agent would look at me funny.

Kendall 04-04-2013 11:29 AM

Quote:

Originally Posted by wetrain17 (Post 2125938)
Insurance on roses? I'm sure my agent would look at me funny.

*****horses*******
Sorry xD

Kendall 04-04-2013 06:36 PM

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

beverleyy 04-04-2013 07:48 PM

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.

With Grace 04-04-2013 08:24 PM

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.

JustDressageIt 04-04-2013 08:46 PM

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.

Kendall 04-04-2013 08:57 PM

Quote:

Originally Posted by beverleyy (Post 2131010)
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.

Kendall 04-04-2013 08:59 PM

Quote:

Originally Posted by JustDressageIt (Post 2131626)
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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