You have insurance for your vehicle, your home, and your life. But do you have insurance to cover your horses? There are many benefits that equestrian insurance provides but choosing the right policy can be a difficult task. Thankfully, the following tips will help you navigate the ins and outs of the policy and ensure you’re getting the right plan for your needs.
Look for Free Quotes
Obtaining a free horse insurance quote is the first start in ensuring you have the right plan for you and your horses. Most insurance companies provide free quotes and will give you a rundown of what all the policy covers. Make sure to weigh the cost of each plan with what you get out of it. Remember that just because a plan is cheaper doesn’t mean it’s the best and it may be lacking in important coverage that you need.
Get Complete Coverage
Look for insurance that covers loss of the animal in the event of it straying or theft, as well as protection when the horse passes away. This complete coverage helps to ensure you’re covered in just about all instances. You may also want to add extra protect that helps cover expensive emergency surgery that the horse may need. This will help reduce your out-of-pocket cost for vet bills.
One of the best ways to learn about horse insurance companies is to speak with past and current customers. This can be done by asking for recommendations from others in your local horse circle. You can also utilize online search engines to read reviews left by clients. This gives you a good idea of what to expect from the company and how they treat their customers.
Licensed and Admitted
When narrowing down your search, you will want to ensure the insurance company is licensed to insure people in your state. Signing a policy with a company not licensed could mean being left high and dry when you need to utilize the insurance you have been paying for.
Keep in mind that your horse insurance needs may not be the same of someone else’s. Because of this, you should tailor the policy to your needs and find a company that will help you do just that.