Like all animal lovers, horse owners and riders know that their horses are members of their family. As such, it follows that all responsible horse owners should be sure to have their beloved horses covered under a comprehensive equine insurance policy. Finding the right company for the job is important and there are a few things to look for when making your decision.
- Flexibility & Variety
There are a number of different types of policies one can take out regarding their horses and horse-related assets, including health insurance, medical insurance, mortality insurance, and ability insurance, name a few! The best horse insurance companies will offer a number of options that they can help you choose between and will have the flexibility to tailor their policies to fit your needs.
- Accessibility & Knowledge
Furthermore, it’s important to work with a company that is easily accessible by phone and email, and is available to answer any and all questions as you jump into the insuring process. Not only should is be simple to get an initial quote, but the company should be happy to walk you through the process, answering questions about premiums, exclusions, and deductibles.
- Additional Coverage
Finally, it can be advantageous to work with an insurance company that also covers other aspects of the horse ownership experience such as farm/stable property coverage, horse professional coverage, and event/club coverage. Additionally, many horse owners also care for other livestock or have a variety of animals on their property, and finding an equine insurance company that also offers livestock insurance or small-animal insurance such as canine will be a great help in having your entire property covered through a single policy.
Running a farm, stable, or other similar equine business is an undertaking where a lot can happen and making sure the animals you love and care for are protected under a variety of situations will put you in the best possible place for a bright future.