Don't Let Equine Insurance Confuse You!! We are here to help!

Good morning!

I hope everyone is staying warm and safe after all the snow we recently had! Today, I want to share an article from the client's perspective. If equine insurance is something that confuses or overwhelms you, it's okay!! Don't worry! There is a reason we are professionals and have gone through a lot of training and licensing on the subject. Contact us today to let us help you navigate the process. We are here to help!

-Ziplow Horse Insurance

Don’t Let Horse Insurance Confuse You

December 8th, 2013 • Related • Filed Under • by ACN Staff 

Horse-Wallpapers-6If horse insurance confuses you, do not worry, you are not alone. The insurance will give you a peace of mind as a horse owner, but can be a difficult thing to sort out even for experienced horse lovers.

When one starts looking for horse insurance, the list look endless as to coverage needed, but it does not have to be a daunting task. Most insurance companies have coverage they offer from those who have a horse for just pleasure riding to those who compete with their horse in different events.

Usually, instead of providing coverage for just one discipline, it is given by classes, so you can be covered for everything that you will do with the horse. For some insurances’, class A for example includes things such as breaking-in, low level competitions for riding and hacking. At the same time, class B includes those, plus levels that are more advanced including hunting.

Higher endurance and event levels can be tough on horses and put a great deal of strain, while dressage requires greater collection from your horse.

In other events, horses have increased risks of twisting or tipping over their cart putting the horse equally at risk.

Most insurance companies recommend third party insurance and rightfully so. Whether someone is a pro or pleasure rider it is important to have in case a third party or a third party’s property is injured or damaged.

Third party insurance usually covers the horse or horses specified in the actual policy and does not matter who is riding or driving them, which gives the owners peace of mind. It does not cover however if the horse were to escape from his yard or field and cause damage, the owner is liable for that.

Thankfully, third party does not cost that much and it is better to be safe than sorry and have the coverage, rather than not have it when needed most.

Another form of insurance to consider is personal accident insurance. This form of insurance covers your permanent disability and accidental death and is useful in particular, if there are a number of different people that ride the horse, as they too can be covered.

Justifying the Value of Your Horse for Insurance

Good morning everyone!

For those of you who have experience in equine insurance, you know that when creating a policy, you will be asked about the value of your horse. To you, your horse may be worth it's weight in gold, but to the insurance company, it is important that your horse is valued correctly so you can receive the correct amount of coverage.

If you are having trouble with the value of your horse, or justifying the value, here is a document that may help! From our friends in Australia, here is a document on justifying the value of your horse!

Enjoy!

CLICK HERE for the Article!!

Glossary of Insurance Terms

Good Morning everyone!

We hope you are staying warm and dry in this awful winter weather. Today we want to share with you an online glossary of insurance terms! That's right, insurance terms! Have you ever been reading about insurance or talking with your agent and heard a word you were familiar with, but didn't quite fully understand? This online resource has definitions for hundreds of insurance terms so check it out! And remember, if you have questions about your insurance or are looking for a new agent to insure your horse, please feel free to reach out to us!

Insurance Glossary of Terms:
http://www.ambest.com/resource/glossary.html

Our website and resource:
http://www.equineinsuranceagent.com/