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!

I will message you. 

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

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.

Here is an example of the cost at our agency. 

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.