If you already own a horse or are thinking about owning one, it’s probably a good idea to look into getting insurance for it. Of course, finding the right insurance with the right coverage is not always easy. Listed below are a few places you can go to find good coverage for your horse.
Homeowners or Renters Insurance
There are a number of companies that offer homeowners or renters insurance that would be willing to provide you with horse insurance. However, while this might seem like the easiest route to take considering that you could bundle it with an already existing insurance policy, it’s important that you look into the type of coverage you’ll be receiving.
Many of these policies will only provide coverage for personal usage of your horse, so you need to investigate to find out if you’re getting all that you need. You also need to make sure that it’ll cover all of your horses.
A Package for Farm Owners
If you already hold a farm owners package, this might be a good idea. This, however, will only cover you if you actually own the property, so it can’t be used in the same manner as a renters insurance policy.
Private Insurance for Horses
This is going to be your best bet, as it will provide you with as much coverage you need for as many horses as you need. This would obviously be separate from your homeowners, renters, or farm owners policy, but the benefits typically make it worth it.
Especially if you rent or are trying to start a business boarding horses, this is definitely your best bet.
No matter what option you choose, it’s important that you find a policy that will cover you for all of your specific needs.