Horse Insurance Quote

Horse insurance quotes are important to gather for coverage that pays out should this valuable work animal die or become seriously injured, costing the owner a loss of profits or income. Such coverage can be obtained by contacting a local equine insurer or an insurer certified to offer coverage for these animals nationwide. The most important part of choosing an insurer and requesting a horse insurance quote is whether or not the company has knowledgeable employees in this area. It is also important that within the estimate, the equine insurer notes that they are available to take claims 24 hours a day, 7 days a week. Accidents can occur at any time, and knowing whether or not a certain surgery or medical expense is covered is extremely important.

There are a variety of optional policies for this type of coverage. The care, custody and control coverage is a more popular choice. A horse insurance quote for this type covers defensive court costs including litigation fees, and judgments. It holds as $10,000 liability policy, but allows a limit on equipment. There is currently no deductible for these horse insurance quotes. The most common type of coverage plan is the commercial equine liability coverage policy. Commercial policies enjoy a safer protection than the care, custody and control policy.

Policies for commercial animals allow a $300k to $1 million liability limit. Also, the general liability aggregate is 3x the liability per occurrence. Commercial horse insurance quotes include coverage that protects on and off the premise in the US and in Canada. The commercial policy reimburses any bodily injury and property damage. This includes fire liability, and medical payments up to $5,000. There is also a no deductible option for the commercial plan. Additional international coverage estimates are recommended for those who frequently travel with their horses out of the country.

Also available are coverage plans for a personal owner. These plans offer various limits, medical payments, and mortality options determined by the private owner. Owning a mare is a financial investment, and covering that horse with adequate insurance is wise. Horse insurance quotes are listed under the agricultural division with insurers, and finding the right equine insurer that offers the best coverage and the best horse insurance quote can pose to be difficult. It is suggested that owners ask around for referrals of equine insurance agencies and compare at least three estimates before choosing any particular horse insurance policy. "An horse is a vain thing for safety: neither shall he deliver any by his great strength" (Psalm 33:17).

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