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Horse Farm Insurance: Horse Health, Equine Mortality, Farm Liability, Farm Property, and Loss of Use Insurance

Just as you protect your home and its assets, there are many reasons to insure your farm and its property. While horses represent loved animals among many owners and their families, they can also be large financial investments. From liability issues to illness and injuries, below are just a few of the reasons you should protect your horse and farm with insurance:

  • horse farm insuranceTo finance surgeries and other major medical expenses. Like their riders, horses can also suffer from unexpected medical issues, and the cost of surgery can be difficult to afford. Horse health insurance will help you avoid a financial burden in the unfortunate event that your horse becomes challenged by medical issues or requires major surgery.
  • To help you cope with the death or theft of a loved horse. The emotional burden that results from the loss of a loved animal is difficult enough to handle alone, so the last thing you’ll want is to suffer a significant financial loss as well. Although your horse and its sentimental value may never be replaced, equine mortality insurance, or horse life insurance, will help ease the pain by reimbursing you for the death or theft of your horse.
  • To reduce liability risks involved in your horse operation. An equine liability policy is required for activities like boarding, training, horse shows, and riding instruction. From offering horse riding lessons to caring for a friend’s horse, it’s important to protect yourself and your horse operation with farm liability insurance.
  • To cover your barn, sheds and owned machinery associated with the farm. Farms are often connected to homes, but a standard homeowners insurance policy doesn’t always cover your barn and its contents. It’s important to talk to your independent insurance agent about obtaining farm property insurance to ensure that your barn and its assets are protected.
  • To protect yourself from your horse’s loss of value. While many people consider their horses valuable friends regardless of their skill levels, a disabling injury suffered by a horse intended to perform in horse shows or races can be financially troubling. Loss of use insurance will protect your horse in the unfortunate event that your horse suffers an injury that leaves him/her permanently disabled.

Whether you purchased a pony to fulfill your daughter’s birthday wish, or invested in a skilled horse to compete with, it’s important to protect yourself and your horse with horse farm insurance. From farm property insurance to equine health insurance, many of these types of coverage are included in horse farm insurance packages. For more information on our horse farm insurance, contact Sue Berube, our horse insurance specialist.

To request a free equine insurance or farm insurance quote, please call us at 603-882-2766 or submit our Online Insurance Quote Request Form.