What is a good horse insurance company and how much does it cost to insure a horse.?

Cami A: What is a good horse insurance company and how much does it cost to insure a horse.?
I am interested in insuring my horse and was wondering if there was a specific company I should use and about how much it would cost. I live in So Cal, so I would need a company that covers that area. My horse is 16, a Warmblood gelding, and I use him for pleasure and am starting to learn dressage on him. Any help would be greatly appreciated. Thanks!

Answers and Views:

Answer by Melanie
It depends on how much you insure him for. Some older horses cannot be insured so please check with various companies. I am in California and I use Equine Insurance Specialists (www.equispec.com).

Insurance companies have a percentage rate for breeds and uses of a certain horse. A Thoroughbred Eventer will be more to insure than a Thoroughbred Dressage horse of the same value. So say your horses percentage is 3% and you want to insure him for $ 4,000 (his proposed value – this is what you would get if he died). The cost of mortality insurance would be 3% of $ 4000 = $ 120 a year. There are a few other things that can be added to the policy but again, I don’t know how it works for older horses. Call one of the insurance companies above or below and have them go over potential policies with you.

OTher good companies are Equi-Sure, Hallmark Equine, Fry’s Equine, and Agri-Risk Services. All of these companies can be searched for on AOL, google or Yahoo and have insurance offered in California (not California based).

Answer by GiddyUp!
well I don’t know the area but you should proabably insure the horse for 1000$ more than you bought him for because it will cover incase of death or injury and you can buy another horse if you want to with money.

Answer by imateampenner2
https://livestockinsurance.biz/
is who I have. They are VERY resonable. Rates depend on what you do with your horse and how much they are valued at.

Wilkins Livestock Insurers, Inc., provides livestock insurance for all alpacas, llamas and horses. We offer the following types of coverage:

Full Mortality & Theft
Specified Perils & Theft
Major Medical
Surgical
Loss of Use
Infertility
Herd Deductible Policies
Liability to cover shows

Best to call to get exact quotes. Good luck to you,