Equine coverage, placed by horse people
Coverage for your horse,
and the life you’ve built around it.
Compare equine mortality, liability, and farm policies from up to five top carriers. One short form. Someone who knows a coffin bone from a cannon bone answers the phone.
- Mortality, medical & surgical
- Up to 5 carriers compared
- Coverage in nearly every state
What we cover
Every kind of horse, every kind of risk.
One horse or a full barn, backyard companion or six-figure show prospect. We place the coverage that fits how you actually use your horses.
Mortality & Medical
Life cover for your horse, with Major Medical and Surgical added on for vet bills. The policy most owners start with.
Learn moreLiability
Protection for trainers, instructors, boarding barns, and events when a horse or a guest causes injury or damage.
Learn moreFarm & Ranch
Cover the barn, the arena, the equipment, and the land, whether you own the place or lease it.
Learn moreEquine Business
For the operation that pays the bills. Care, custody and control plus commercial liability built for horse businesses.
Learn moreHorse Transport
Coverage for your horse and your rig on the road, including trailers, to shows, sales, and the vet.
Learn moreOlder Horses
Mortality and limited medical for the senior in your barn, placed with carriers who still write the older ones.
Learn moreWhy owners come to us
We speak horse.
Plenty of agencies will sell you a horse policy. Few of them have ever picked a hoof or sat up overnight with a colicky gelding. We have. That is the difference when it counts.
Call (800) 555-0143- 01
Specialists, not a general agency
Equine risk is all we place. We know why a reiner, a broodmare, and a lesson pony each need a different policy.
- 02
Up to five carriers, one form
You see the spread side by side and pick what fits. No single-company sales pitch dressed up as advice.
- 03
A real person when a claim hits
When something goes wrong in the barn at six in the morning, you reach a person who has handled it before.
- 04
Built for every discipline
Trail and pleasure, show and competition, breeding, racing, boarding and training operations. We cover them all.
Start your quote
Tell us about your horse.
A few details is all it takes. We pull terms from up to five carriers and walk you through what fits. No cost, no obligation, no call-center runaround.
- 1 You share the basics below
- 2 We compare carriers for your horse and use
- 3 You pick the policy and we bind it
Rather talk it through? Call (800) 555-0143, option 3 for a specialist.
Straight answers
Questions horse owners ask us.
How much does horse insurance cost?
Equine mortality coverage usually runs between 2.9% and 4% of your horse’s insured value per year, so a horse valued at $10,000 often lands near $300 to $400 a year. Liability and farm policies price on their own. Run the quote form and you see real numbers from several carriers, not a guess.
What does equine mortality insurance cover?
Mortality works like life insurance for your horse. It pays the insured value if your horse dies from accident, injury, illness, or humane destruction. You can add Major Medical, Surgical, and Loss of Use to the same policy.
Can I add medical, surgical, and loss of use coverage?
Yes. Most owners pair a mortality policy with Major Medical and Surgical for vet bills, and competition or breeding horses often add Loss of Use. Tell us how you use your horse and we match the right add-ons.
Do you cover older horses?
We do. Many carriers write mortality and limited medical for horses into their late teens and beyond, with terms that shift as the horse ages. We place older horses with the carriers who understand them.
How fast can I get covered?
Mortality quotes come back in minutes. Once you pick a policy and the carrier reviews the details, binding often happens the same day for healthy horses with a current vet record.
Which states do you cover?
We place coverage for horse owners and equine businesses across the country. Tell us your state on the form and we route you to a carrier licensed where you keep your horses.