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.