Equine and Horse Insurance in Texas
A horse is a working partner, an athlete, or family, and sometimes all three, with real money and real feeling invested either way. Equine coverage splits into two questions: what protects the horse, and what protects you as its owner. We live in horse country and we can walk you through both.
Covering the horse, and covering you
Coverage for the horse itself is its own specialty: mortality coverage answers if the horse dies or must be put down, and medical or surgical coverage helps with the vet bills that everyone with horses knows can arrive suddenly and large. Values, ages, uses, and health histories all shape what the markets offer for a given horse.
Coverage for you is the liability side: what happens when a horse hurts someone or damages property. Where that lives depends on your setup. Sometimes a farm and ranch or homeowners policy carries it, and sometimes it needs its own answer, especially when boarding, lessons, or other people's horses are involved.
The pieces, by how you keep horses
Mortality and medical
For the horse with real value: bloodstock, performance horses, or simply one you could not afford to lose. Values and uses drive the quote.
Owner liability
Horses are large and opinions vary on their predictability. Liability for what a horse does to people and property is the coverage every owner should confirm exists somewhere.
Boarding and lessons
Keeping other people's horses, teaching, or training moves you toward commercial equine liability. The handshake arrangement still needs a policy behind it.
The place itself
Barns, arenas, fencing, tack, and trailers belong to your farm and ranch conversation, and the two policies should meet cleanly. Farm & Ranch insurance
Not every horse needs a policy of its own
An honest agent will tell you: mortality coverage makes sense above a certain value and matters less below it, and for many family horses the real priority is making sure the liability side is solid. We would rather tell you that plainly and earn the rest of your insurance than sell a policy that does not fit. Bring us the whole picture, horses, place, and use, and we will point at what actually needs covering.
What to have ready
Horse people know these answers cold.
- Each horse: age, breed, use, and roughly its value
- Where they are kept, and whose place it is
- Whether boarding, lessons, or training happen there
- Your farm, ranch, or home policy, if you have one
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Equine insurance questions we hear
What does equine mortality insurance cover?
It answers if the horse dies or must humanely be put down, generally including theft, with the horse's insured value driving the policy. Medical and surgical coverage can ride along to help with major vet bills.
Is my horse covered under my homeowners or farm policy?
The horse itself, usually not in any meaningful amount. Your liability for what the horse does may be, depending on the policy and how the horses are used. That is the first thing we check.
I board other people's horses. What does that change?
A lot. Care, custody, and control of someone else's animal is its own exposure, and commercial boarding or lessons need liability built for it. The arrangement being informal does not make the exposure informal.
Does the value of my horse matter?
For mortality coverage, it is the whole conversation: values are agreed with the company based on purchase price, breeding, training, and records. For liability, the horse's value matters less than what it does and who is around it.
Are trailering accidents covered?
The horse in transit is part of a mortality policy's conversation, the trailer itself belongs to your auto or farm coverage, and liability follows the trip. Tell us how often the horses travel and we will line the three up.
Do you actually know horses?
We are a Madisonville agency in working horse country, and equine questions are part of our week. You will not have to explain what a coggins is.
Talk horses with someone local
Tell us about the horses and the place. A licensed agent sorts what needs its own policy and what your farm and home coverage already carries.
Stover & Crouch Insurance Madisonville, Texas, since 1920