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horse insurance

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Last activity 2019-05-15 3:59 PM
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   General Discussion -> Barrel Talk
Reg. Jun 2009
Posted 2019-05-15 8:49 AM
Subject: horse insurance

Elite Veteran

Posts: 1056
Location: MN

I just got a quote on my 2 guys that came back at $1020. Includes mortality, theft, and emergency colic reimbursement up to 5k. Can someone tell me if this seems high?

Can I ask what you pay yearly and what all is covered under your policy? I'm just looking to get the most bang for my buck. Any advice is appreciated!

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Reg. Feb 2004
Posted 2019-05-15 8:58 AM
Subject: RE: horse insurance

The One

Posts: 7798
Location: South Georgia

I will message you. 

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Reg. Apr 2008
Posted 2019-05-15 9:00 AM
Subject: RE: horse insurance


Posts: 92

I pay around $1300 a year for one horse. That is full mortality, theft, emercency collic, medical/surgical.

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Reg. Sep 2006
Posted 2019-05-15 9:28 AM
Subject: RE: horse insurance


Posts: 289

It depends on what value you insured your colt for. Mortality with emergency colic surgery usually runs about 3.00-3.5% of the insured value depending on discipline. Major medical is then a lumped premium on top of that base percentage. There is also usually an “agency fee” included. A $15,000 horse with mortality AND major medical could easily be a $1,000 premium depending on the producer’s rate.

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Reg. Sep 2006
Posted 2019-05-15 9:31 AM
Subject: RE: horse insurance


Posts: 289

Here is an example of the cost at our agency. 


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Reg. Feb 2016
Posted 2019-05-15 3:59 PM
Subject: RE: horse insurance

Extreme Veteran

Posts: 422

Rosie Bradley was great with getting me ins on my futurity prospect. She is covered for it all & valued @ $25,000. Rosie is honest & will do a great job for you. I feel very good having my mare insured through her. I pay $1200 for my ins & it is very well worth it. 

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