INFORMATION:
If you're
looking for mortality or medical insurance for your horse, please click
HERE
instead, and fill out the information on that page.
If your horse
kicks an innocent bystander, or in the event your horse breaks loose and
causes a car accident, causing people to be injured, or property damage, your Personal
Horse Owner's Liability Insurance policy provides bodily injury and
property damage coverage, as
well as legal cost of defense coverage. As with any kind of liability
insurance, you may need protection if someone were to sue you for bodily
injury or property damage caused by your horse. Such a lawsuit might be
against you personally, and might be for almost any amount (as opposed to the
loss of your horse, for which you know exactly what the amount is - the costs
you've already invested in the animal).
This type of
insurance is commonly purchased by those who board their horses, and in fact
many boarding facilities require it. Those who own their own home may
have some liability protection when the horse resides on their own property,
but may not if the horse is boarded on another property, or if one buys and
sells more than a few horses per year. And some homeowner's policies may
provide no protection. Consult your homeowner's policy or agent to be
certain.
Personal Horse
Owner's Liability insurance will cover up to five owned horses on one
policy. However, it does
NOT cover someone riding your horse. When a person gets on your horse, they
are aware of the inherent risks involved.
Note that we
also offer Mortality insurance, which differs from the above.
Mortality insurance is sort of a "life insurance" policy on your
horse. It covers death from virtually any accident or sickness,
and our policies do include colic surgery coverage as well as humane
destruction by a veterinarian, should that be necessary. Major
Medical and Surgical insurance
is also available as an additional option to the Mortality: Visit our
Mortality
Insurance page for more information about these other two types of
insurance, or a free quote.
Complete the
form below to receive a free quote for Personal Horseowner's Liability
Insurance
