Owning and caring for horses is both a wonderful gift and a big responsibility, which is why the practical horseman ought to make sure his or her horses are properly insured. It can be tricky to know where to start when finding a horse insurance company, but there are some key things to keep in mind when beginning your search.
The first place to jump-start your search will be at your veterinarian’s office. Veterinarians often work with equine insurance companies and will be able to help you find the best horse insurance companies that are prompt about making payments and taking care of their clients. Reaching out to other horse owners and riders you know for their recommendation is a good place to begin as well.
Not only should the company you choose to work with cover stables and horse farms in your area, but it is advantageous to find a carrier that works in multiple states, preferably all 50. While you may be settled now, you never know when you might need to move your horses, and not having to change insurance companies will be a weight off your mind when you’ve got more important things to worry about.
Without question, you’ll want to work with a company that has a long history in the business of insuring horses and horse-related assets. Ideally, the company should have been in business for at least 10 years. Working in the field for a long time will have provided the company many years of experience in all sorts of circumstances that will prepare them to make sure the plan you have will cover any situations that might come your way.
Your horses are treasured members of your family and life and should be insured by a company that understands that and will properly prepare you for any event. Above all, make certain the company you work with loves animals and horses, just as much as you do.