Broad Form Named Perils Horse Insurance Rates
Comprehensive Named Perils Including Death Caused By:
Colic, Entrapment, Physical Injury.
For All Breeds
■ Automatic Tack Coverage – $1,000
■ Additional Tack – $20.00 per 1,000
■ Automatic Liability Coverage – $1,000,000
■ Additional Liability ($1,000,000. max) – $50
■ Annual Premium – Rate 2½% (of value of horse)
■ Minimum Premium – $150.00 + 8% Tax
■ Foal coverage available after 7 days.
■ Separate application required.
■ Maximum 2.5 times Stud Fee.
■ For optional Vet Fee Coverage, $2,500 is $250, $5,000 is 375
■ Maximum coverage available On This Form is $10,000 per horse.
Veterinary Certificate Required For:
■ All horses $1500.00 and over
Conditions of Policy
■ Policy Wordings Apply. Autopsy or Post Mortem Certificate required upon Death.
■ We reserve the right to inspect the horse prior to insurance being bound.
■ This insurance is not valid while horse is at the race track.
■ Vet medical will not cover for more than the insured value of the horse to a maximum of $5000
Pleasure Horse Coverage
The following is an abbreviation of the coverage. Actual Policy wordings apply.
■ Fire, Explosion;
■ Windstorm or hail; hurricane;
■ Flood, meaning rising waters;
■ Earthquake; meaning collapse of buildings, bridges, culverts;
■ Falling objects directly striking the livestock;
■ Impact by aircraft or land vehicle;
■ Collision, derailment or overturn of a land vehicle;
■ Stranding, sinking, burning, or collision of marine vessels;
■ Vandalism or malicious mischief;
■ Riot; Riot attending a strike or civil commotion;
■ Or by theft, but excluding mysterious disappearance;
■ Accidental Shooting;
■ Lightning; Electrocution;
■ Blizzard, rain, sleet or snowstorm;
■ Drowning, excluding choking on their own internal fluids;
■ Attack by dogs and wild animals;
■ Asphyxiation by smoke or fumes;
■ Physical Injury causing death or destruction, but excluding animal birth;
■ Vet Coverage Only Applies to Emergency Service made necessary by the above perils
■ Cost of trailering is not covered
Liability Coverage protects you should your horse damage property or cause injury to a third party.
The policy will cover the cost of legal and court settlements up to the policy limit.
$100.00 Deductible on the First Claim and 25% Deductible on the second claim