Horse insurance for the horse you love.
From backyard companions to six-figure show prospects. Tell us about your horse once, and licensed agents who write equine coverage send you quotes from up to five carriers.
- Owners, barns, trainers, breeders, farriers, and haulers
- Mortality, medical, liability, and farm cover
- Free to use, with no obligation to buy
Prefer to talk it through? Call (800) 555-0143
Compare equine insurance quotes
Free, no obligation, about two minutes.
- Free to compare You never pay us. Agents pay for the introduction.
- No obligation Look at the quotes, ask questions, and walk away if none fit.
- Licensed agents only Your quotes come from agents licensed in your state.
- Your details stay put We share your request with matched agents, never with list sellers.
Horse insurance for every kind of horse
Start with what you are protecting. Each guide explains what the policy pays for, who needs it, and what it tends to cost.
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What will it cost to insure your horse?
Slide to your horse’s value for a ballpark yearly premium. Your quotes will depend on age, use, and health.
Estimated yearly premium
$290 to $400
About $24 to $33 a month
Mortality only, for a healthy horse in lower-risk use. Ballpark figures, not a quote.
Get exact quotes How we work out these rangesFrom the show ring to the back pasture.
- Hunter and jumper
- Dressage
- Eventing
- Western pleasure
- Reining
- Barrel racing
- Trail
- Racing
- Driving
- Polo
- Endurance
- Pony club
- Retired companions
Insurance for equine professionals
When horses are your living, a personal policy will not hold up. Find the mix of coverage people in your line of work carry.
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Insuring your own horse?
Most owners start with mortality, then add medical or surgical cover for vet bills. If your horse lives at home, farm and liability cover close the gaps a homeowners policy leaves.
- Mortality with medical and surgical add-ons
- Options for older horses and seniors
- Personal horse owner liability
Running a barn or equine business?
Boarding, training, lessons, and breeding each carry their own risk. Care, custody and control is the cover that answers for client horses, and most barns pair it with commercial liability and property.
- Care, custody and control for client horses
- Commercial liability for people on your property
- Barn, arena, and equipment cover
What people like you usually carry
Find your row to see the coverage most people in your position carry. Your agent will confirm what fits your operation.
| Who you are | Mortality & medical | Liability | Care, custody & control | Farm & ranch | Transport |
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| Horse owner | Most carry it | Often carried | Rarely needed | Rarely needed | Often carried |
| Horse property owner | Often carried | Most carry it | Rarely needed | Most carry it | Often carried |
| Boarding stable | Rarely needed | Most carry it | Most carry it | Most carry it | Often carried |
| Trainer | Often carried | Most carry it | Most carry it | Often carried | Most carry it |
| Riding instructor | Often carried | Most carry it | Often carried | Rarely needed | Rarely needed |
| Breeder | Most carry it | Most carry it | Most carry it | Most carry it | Often carried |
| Farrier | Rarely needed | Most carry it | Most carry it | Rarely needed | Rarely needed |
| Hauler | Rarely needed | Most carry it | Most carry it | Rarely needed | Most carry it |
Most carry it Often carried, depending on the operation
How it works
Three steps from question to coverage. You stay in control the whole way.
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Tell us what you need
Say who the coverage is for, where you keep your horses, and what you want covered. It takes about two minutes.
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Hear from matched agents
We send your request to licensed agents who write that kind of equine risk in your state. Most reach out the same business day.
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Compare and choose
Look at the quotes side by side, ask what each one covers, and buy from the agent you pick. Or buy nothing at all.
Straight about how this works
You should know who you are dealing with before you share your phone number. Here is the whole arrangement.
- What we are
- A free comparison and referral service built for the horse world. We take your request and route it to agents who write equine coverage.
- What we are not
- An insurance company. We do not set prices, approve claims, or issue policies. The carrier does that, through your agent.
- How we get paid
- Agents pay us for introductions. That keeps the service free for you and has no effect on the price a carrier quotes you.
- What happens to your details
- They go to the agents matched to your request so they can quote you. We do not sell them to list brokers. Read the privacy policy.
Questions horse people ask us
Short answers to the questions that come up most. Your agent can go deeper on any of them.
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, farm, and business policies price on their own. The quote form gets you real numbers instead of a guess.
Is Equine Insurance Pros an insurance company?
No. We are a free comparison and referral service. You tell us what you need once, and licensed agents who write equine coverage follow up with quotes. You buy the policy from them, never from us.
Which insurance companies write horse insurance?
A fairly small group of specialty carriers writes most equine coverage in the US, including Markel, Great American, and American Equine Insurance Group. Each has its own rules on age, use, and value, which is why comparing more than one carrier matters. When an agent quotes you, ask which of these markets they shopped.
Do you help farriers, trainers, and other equine professionals?
Yes. Trainers, riding instructors, boarding stables, breeders, farriers, and haulers all carry risks a personal policy leaves out. Pick your line of work on the form and we match you with agents who write commercial equine risk.
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.
Do you cover older horses?
Yes. Several carriers write mortality and limited medical for horses into their late teens and beyond, with terms that shift as the horse ages. We send older horses to agents who work with those carriers.
How fast will I hear back?
Most requests get a call or email the same business day. Simple mortality quotes can come back within minutes once an agent has your horse’s details. Barns and businesses take a little longer because carriers review the operation.
Which states do you cover?
We take requests from horse owners and equine businesses across the country. Choose your state on the form and we route you to an agent licensed where you keep your horses.
Ready to see real numbers?
Answer a few questions once. Licensed agents who write equine coverage follow up with quotes.
