10/15/2026
7️⃣ things I wish every horse buyer knew about insurance:
1️⃣ Start the conversation early - If you know you're buying a horse, reach out before the purchase is finalized. It gives us time to talk through your options and what may be needed to get coverage in place.
2️⃣ Save all your purchase paperwork - Your bill of sale, purchase agreement and other documentation can be important when determining the horse's value and eligibility for coverage.
3️⃣ The horse's value isn't always as simple as the purchase price - Purchase price is important information when determining appropriate coverage. But things like training, show records, earnings and breeding records factor in as well!
4️⃣ Know your coverage, ask questions - Mortality, Major Medical, surgical coverage and liability all serve different purposes. You need to understand your options and decide what makes sense for you, I am hear to guide you every step of the way.
5️⃣ Find out what your barn or trainer requires - Some boarding facilities, trainers and events have specific liability insurance requirements. Knowing those requirements ahead of time can save you a last-minute scramble.
6️⃣ Tell your insurance agent what's changing - Buying, selling, moving barns, changing how your horse is used or making a significant change can all be good reasons to check in and make sure your coverage still makes sense.
7️⃣ Don't wait for a problem to start the conversation - Insurance is designed to be put in place before the unexpected happens.
