What does equine mortality insurance cover?
Equine mortality insurance pays the agreed or market value of a horse if it dies, is stolen, or must be humanely destroyed due to injury or illness covered by the policy. It’s the foundation most other equine coverage — major medical, surgical, and loss of use — is built on top of.
Do I need liability insurance for my horses?
Yes. Horses are unpredictable, and most states’ equine activity liability statutes only provide limited protection, not a full defense. Equine liability coverage protects you if a horse you own, board, or manage injures a person or damages property, on your farm or off it.
Does my homeowners or farm policy already cover my horses?
Usually not adequately. Standard homeowners and farm policies typically exclude or sharply limit livestock mortality and equine-specific liability. Horse owners need a dedicated equine policy, or a homeowners/umbrella program specifically endorsed for equine exposure, to be properly protected.
What is loss of use coverage and do I need it?
Loss of use coverage pays out when a horse survives an injury or illness but can no longer perform its intended use — competition, breeding, or riding. It matters most for performance, show, and breeding horses, where the horse’s value is tied to what it can do, not just that it’s alive.
What is care, custody & control (CCC) coverage?
Care, custody & control coverage protects boarding stables, trainers, and farms against liability for horses in their care that they don’t own. If a horse is injured, dies, or is stolen while under their supervision, CCC coverage responds — general liability alone typically excludes this exposure.
How is equine insurance priced?
Pricing is driven by the horse’s use (pleasure, competition, breeding), its value, breed, age, and health history, plus the scope of coverage selected. Farm and liability coverage is priced separately based on acreage, structures, boarding/training activity, and number of horses on the property.
