Policy options
Investing in equine insurance is more than just a financial decision; it’s a testament to the love and commitment you have for your horse. Let Debbie Howard Equine Insurance be your trusted partner in ensuring that this bond remains strong and protected. From routine care to unexpected emergencies, our insurance plans are crafted to provide comprehensive support, allowing you to focus on what truly matters - your passion for horses.
Equine Mortality & Theft
Equine Mortality Insurance provides coverage for losses due to natural causes, accidents, illness, or euthanasia, typically reimbursing the appraised value of the horse and covering associated medical expenses. Additionally, emergency colic surgery expenses are included up to $5,000 at no extra cost. Theft Insurance offers compensation for stolen horses, helping to alleviate the financial burden. It is essential for horse owners to secure stables and keep a close watch on their animals to reduce the risk of theft.
major medical & surgery
we understand that your horse's health is paramount. Our Major Medical and Surgical coverage is designed to provide you with peace of mind in case of unexpected veterinary costs. This policy covers a wide range of medical treatments, including surgeries, diagnostic testing, and hospital stays. Additionally, our plan can help with the expenses that arise from serious injuries and illnesses, ensuring your horse receives the care it needs without financial strain. With our comprehensive coverage, you can focus on your horse's recovery rather than worrying about costs.
private horse owner liability
Private horse owner liability coverage offers crucial financial protection for horse owners in the event that their horse accidentally causes injury to someone or damages another person's property. This type of insurance is not just a good idea; it's absolutely vital for anyone who owns horses, whether they keep them at home, ride at local trails, or participate in performance horse events. Given that horse-related accidents can result in significant costs and unexpected bills, having this coverage in place is essential for every responsible horse owner who cares about both their equine companion and their financial well-being.
Additional Coverage Options
At Debbie Howard Equine Insurance, we understand that your equine needs go beyond basic coverage. Here’s a closer look at the additional options we offer to ensure you have the protection you need:
Loss of Use
This coverage protects you in the unfortunate event that your horse becomes unable to perform its intended use due to injury or illness. If your horse can no longer compete, work, or fulfill its purpose, this policy can help alleviate financial burdens.
Equine Service Professional Liability
If you provide services to the equine community, this coverage safeguards against claims resulting from your professional activities, such as training, grooming, or veterinary services. It helps protect your reputation and financial stability.
Stallion Infertility
For stallion owners, this option covers infertility issues that may arise, protecting your investment should your stallion fail to breed successfully. It's essential for maintaining your breeding program and future income.
Farrier Insurance
Farriers play an essential role in equine care, and our farrier insurance covers liabilities that may arise during horseshoeing and hoof care. This ensures that you can focus on your craft without the worry of unexpected incidents.
Training, Boarding & Lessons Coverage
Our policies can also include coverage for training, boarding, and lessons. This helps protect you against potential liabilities or losses associated with services provided to clients or those using your facilities.
Farm Package Policies
For those with more extensive equine operations, our farm package policies offer comprehensive coverage that encompasses your property, equipment, and livestock. This tailored solution provides peace of mind, knowing that all aspects of your farm are protected.