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You already pay insurance for your car, your house and your health just in case the unthinkable happens – so why not have insurance on your horse also? Just like your own health insurance, horse insurance can help out if your horse suffers a health problem. In addition, insurance can also be useful if your horse is killed, lost, or if someone else is injured by your horse. Whether your horse is breeding stock, a first class hunter or just a backyard pet, you should look into insurance for your equine.

The way in which you use your horse will determine the type of insurance coverage you need. Because horses are both a living animal and a possession, the insurance policy you choose may be an interesting mix of health, liability and theft insurance. Most horse insurance policies start with a basic mortality policy, and then offer additions to this policy. These mortality policies are generally for the purchase price of the animal and cover cases of death from injury, accident or disease. Sometimes a theft policy is included in the mortality policy at no extra charge. Just as you would insure your home against theft or damage, you can also insure your horse for these same misfortunes.

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