West Coast Equine Insurance Services

12/12/2025

The current flooding situation in the PNW should serve as a reminder that flood damage is not a standard peril in a homeowner's or commercial property form. The coverage needs to be purchased separately, and there is normally a 30-day waiting period before coverage becomes active. Everyone needs to plan ahead! The price of flood insurance reflects the potential exposure. So, if you think a flood is unlikely, you may be surprised as to how inexpensive it may be to buy the coverage.

02/14/2025

Breaking news!!.....

State Farm, a California insurer for a century, said it has received 8,700 claims, with more than $1 billion paid out as of Feb. 1. It's a commitment the company reported in a fact sheet explaining why it warrants higher premiums (22% higher).

State Farm has been citing financial woes since at least last year. The report specifically noted a financial strength rating downgrade from an unnamed agency. Credit rating firm AM Best downgraded State Farm's financial strength rating to "fair" from "excellent" in March 2024.

For their part, California insurance officials said the hike request has raised "serious questions" about State Farm's actual financial condition, according to CBS.

01/11/2025

The ongoing tragedy in Southern California serves as a grim reminder that everyone of us should review our insurance policies to be sure we have enough covered values, and the right type of coverage. We always strive to insure structures to 100% of the current cost to rebuild or replace. But, we also rely on our clients to keep us up to date with changes, remodeling, etc. Always, if you are insured with West Coast Equine, feel free to call us to review your coverage.

12/27/2024

We will be staying open late on New Year's Eve, which may be critical for those with teenage horses. If you submit a completed application (with all required documentation) by 6:00 PM (Pacific)/9:00 PM (Eastern), we will bind with the 2024 rates. Please remember we are licensed in much of the USA, so check to see if we can write coverage in your state of residence.

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12/20/2024

We have now added South Carolina to our list of states where we are licensed. This brings our total now up to 30 states. Check with us to see if we can provide coverage in your state.

12/04/2024

This is our annual reminder that January 1st marks the "birthday" of all horse breeds (to the insurance companies). So, if you are wanting to insure an older horse (say, 14 years or older), be sure to get it done and finalized by December 31st. Mortality rates typically increase each year, so get them insured before they turn another year older. We will provide same or next business day quotes by visiting our website at

Full-service insurance agency specializing in top-rated customer service and the best insurance rates anywhere.

10/22/2024

In the coming weeks, I will be in attendance at the ApHC World Championships (Ft Worth), the Color Breed Congress (Tulsa) and the AQHA World Championships (OKC). If you'd like to meet up to discuss your insurance needs and options, just drop me a line.

10/09/2024

NEW MARKET!!......we are now able to provide coverage for what is called "agritainment" exposures. This includes operations such as corn mazes, Christman tree u-cut, hay rides, pumpkin patches, farmer's markets.......and PONY RIDES. In a shrinking marketplace, it is a breath of fresh air to be able to provide coverage to these unique exposures.

10/03/2024

We've just added one more state to our list of licensed states. We are now able to write business in the state of KENTUCKY!

09/30/2024

Taken from today's headlines of "Newsweek"......Insurance company State Farm projects it could drop more than one million California policies over the next five years due to impending financial instability......the insurance company is raising rates by 30 percent for homeowners, 36 percent for condominium owners and 52 percent for rental homes.

When will California's governor and insurance commissioner wake up? There is a CRISIS now!!!

09/30/2024

Don't be misled by our name! Even though we are "West Coast Equine Insurance Services", we conduct business throughout much of the USA. Just ask if we are licensed in your state of residence. Chances are good we are!