How to Get Equine Insurance to Protect You and Your Horse
If you own a horse, you need to consider equine insurance coverage. There are a number of different types of equine insurance coverage, so before your purchase a policy or policies, you should evaluate your needs based on the value of your horse, how it is used and your personal financial situation.
Among the types of horse insurance are the following:
Personal Horse Owners Liability Insurance. This is insurance that protects you in the event of harm caused by your horse and makes payments in the event that your horse causes property damage or bodily injury.
Equine Mortality Insurance. This is life insurance for a horse. Whether you need it and for what amount depends on the value of your horse. If you own a relatively inexpensive horse that is used for recreational riding, you may choose to forego it. On the other hand, if you own valuable show horses, you may want to purchase equine mortality insurance.
Equine Major Medical and Surgical. This is an add-on to equine mortality insurance and cannot be purchased separately.
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