Insurance on Horses

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Insurance on Horses Moderators: luluwhit, gotothewhip, cindyt, crossspur, ForumAdmin Jump to page :	Last activity 2015-04-04 1:21 AM 5 replies, 2298 views View previous thread :: View next thread
General Discussion -> Barrel Talk


EqualRanch Reg. Jan 2015	Posted 2015-04-03 8:10 PM Subject: Insurance on Horses
Location: Texas	When or what helps you decide to put insurance on a horse? We have insurance on 6 horses right now, they are mine and my husbands solid horses that will more than likely never be sold. None of our other horses have insurance nor have we considered it, until now... Here is the deal, We have an awesome 6 year old gelding who has been raised as a ranch horse, but is also a team roping and calf roping horse. Anybody can ride this horse. This horse is also registered and has the best cow horse pedigree. My husband and I were approached about selling this horse as a high school rodeo horse. The man offered us $12,000 BUT he wants to haul him to some jackpots and a youth rodeo for 2-3 weeks. I have never been against people I know using or trying our horses out, but I trust them and know they would pay vet bills if anything were to happen. Neither my husband or I know this man or his son, we have mutual friends and have not heard anything good/bad or indifferent. I don't necessarily have a "bad feeling" but I also don't have good luck.... just looking for some input.
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Fun2Run Reg. Jul 2005	Posted 2015-04-03 9:48 PM Subject: RE: Insurance on Horses
A Barrel Of Monkeys Posts: 12972 Location: Texas	My recommendation is that you haul the horse for them. After letting someone take a horse to "try" for one day, they brought him back 3-legged lame and drove away. No way, EVER, would I let that happen again.
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Nita Reg. Apr 2012	Posted 2015-04-03 11:27 PM Subject: RE: Insurance on Horses
Expert Posts: 1718 Location: Southeast Louisiana	I would write up an agreement and, require they insure the horse for the trial period as part of the agreement.
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EqualRanch Reg. Jan 2015	Posted 2015-04-04 12:11 AM Subject: RE: Insurance on Horses
Location: Texas	Thank y'all for the replies. I will not be able to haul this horse to the rodeos and jackpots because my children have their own youth rodeos and ranch rodeos every weekend. I guess I will sit down and come up with a contract this weekend.
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margoannrodeo Reg. Jan 2005	Posted 2015-04-04 12:22 AM Subject: RE: Insurance on Horses
Oh excuse me! Posts: 2473 Location: S. California Beach	The horse will be insured for mortality, unless its over 30-50k when loss of use comes into play and then I think you only get 50% of the insured value. If your horse is returned dead lame, you are stuck.
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EqualRanch Reg. Jan 2015	Posted 2015-04-04 1:21 AM Subject: RE: Insurance on Horses
Location: Texas	The horse is not insured.
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