Horse Insurance: Horse Trailer Insurance - Do You Really Need It?

Horse Insurance

But let’s look at you. If you’re like most folks you probably have an auto insurance policy that has some type of trailer towing liability. Think that covers you? Think again. Fact is, most of these policies don’t cover things that happen every day -- like fire, theft, vandalism, and that all-inclusive “acts of God”. On the other hand, however, if any of these happen on your property they could be covered under your homeowner’s insurance. That’s definitely something you’ll want to check.

So, should you consider adding additional insurance to your trailer? That depends. If it’s a thirty-year old hunk of rust, probably not. However, if it’s relatively new, it was probably pretty expensive. Most trailers are well over $50,000. That’s certainly an investment you’d want to consider covering.

Then there’s what you haul. Most folks use a horse trailer for transporting … well, horses. So, if you’ve got $50,000 invested in a horse trailer, chances are those horses you’re hauling around aren’t exactly cheap either. I mean you didn’t buy the trailer to take them for a ride in the country.

And how about upgrades and additions? Just about every trailer I’ve ever seen had upgrades of one sort or another. Depending on how fancy, upgrades can cost quite a bundle. Oh, and least I forget, it’s doubtful (very doubtful) that your auto or homeowners insurance will cover a loss for any of these items.

So now you’re thinking, “Hmm, maybe I should check into some horse trailer insurance.” But where do you go to get it?

Glad you asked. Most separate horse trailer insurance can be purchased from companies specializing in RV insurance. Many auto companies have coverage available as well. Like any kind of insurance, it pays to shop around.

Coverage you should be looking for? General liability for certain. Roadside assistance can be very helpful, especially if you break down in Mudflats, USA. Just think what the towing costs would be!

Contents and personal items – let’s not forget those. Think about all the expensive gear you haul around. However, in case of loss, most insurance companies require proof of value on big-ticket items. Save those invoices!

Next would be those non-towing accidents mentioned earlier – the fire, theft, vandalism, and “acts of God,” mishaps. And believe it or not, there’s still more. Loan balance coverage, and total loss coverage. No need to say anything else on those two items!

When you total it all up, you have a big investment in that horse trailer of yours. One way or another, it adds up to ten-of-thousands-of-dollars. So if you were one of those folks who thought the coverage on your Dodge Hemi covered all that investment, now you know better.

My advice? The sooner you check horse trailer insurance out, the better off you’ll be. Never know when one of those, “acts of God,” is going to ruin you, and your trailer’s day.

For more information on Trailer Insurance and Trailer Information in general Click here: Trailer Insurance

Mike Schantz Serving the Trailer industry for over 25 years. Trailer411.com Article Source: http://EzineArticles.com/?expert=Mike_Schantz

Horse Insurance: Do You Understand The Importance Of Horse Insurance?

Horse Insurance

A number of terrible things have happened to horses I have known or worked with. Blaze escaped from her paddock and wandered onto the road, where she was hit by a truck coming over the hill suddenly and was killed. Sultan caught himself on a piece of barbed wire that cut him from fetlock to withers. April suddenly dropped dead.

All of these situations led to heartache and a lot of expense. While no amount of money can really ease the pain if a beloved horse dies or suffers injury, horse insurance can do something to ease your financial loss. Of course, prevention is better than compensation. Good attention to fencing would have saved Sultan from a painful injury and saved Blaze's life.

Checking a field used for grazing to ensure that no poisonous plants are growing there is also very important. While horse insurance can offer you a lot of peace of mind, it is no substitute for taking commonsense precautions. That being said, horses are natural jumpers and we all know that accidents happen in life. Illness and injury are common tragedies.

Horse insurance, as the name suggests, is a form of insurance policy that makes sure that you will receive some compensation should a tragedy - or other unwanted occurrence - happen to your horse, whether the horse was bought for business or pleasure. But not all horse insurance policies are the same. Cover in the case of death is the most common form of horse insurance, but other policies are available.

Possible policies can cover major veterinary bills in the case of serious injury, as happened to Sultan; loss of use, where a percentage is paid if a horse is permanently prevented from working the way you intended it to (e.g. a showjumper or racehorse); surgery (e.g. for colic), or breeding infertility to cover broodmares and/or stud stallions for reproductive failure. Other policies can give you cover in the case of lightning, fire, theft, etc.

It is very important to talk through all aspects of horse insurance with your insurance broker before signing a policy. You will want to know what the fine print covers before the stress of an emergency situation. Make sure you make a list of any questions you want to ask your agent and be prepared to define your needs exactly.

Ask your agent to explain any parts of the policy that you do not understand, and any difficult words. Insurance agencies may often require certification or other action from a veterinary surgeon for a claim to be validated. You will also need to know what action is required from you in order to make and/or validate your claim. It is also important to find out how to ensure your claim is valid if your horse, for some unfortunate reason, needs to be "put down" or euthanased.

As with all forms of insurance, it is important to shop around and find the horse insurance policy that works best for you and gives you the cover that you need.

For more information on horses, try visiting http://www.interestinghorses.com - a website that specializes in providing horse related tips, advice and resources including information on horse insurance.

Article Source: http://EzineArticles.com/?expert=Sammy_Kay

Horse Insurance: Pet Insurance Horse Coverage

Horse Insurance

Many people board horses and often pay high expenses to cover the pets. Dogs, cats, and other household pets often go without care because the owners cannot afford to pay the medical treatment and medicines to care for the pets. Horses are more expensive than common pets, but the laws state that these creatures need medical treatment and vaccines, thus what can an owner do. Owners can take out pet insurance policies that will cover the pets 80/20 in most instances. Horses undergo various different ills than common pets, thus, special coverage is needed for these beautiful creatures.

The Internet has a wealth of resources that specialize in pet insurance, including horses’ coverage. Few owners may have other types of pets that will need specialized coverage, including goats, cows, hermits, pigs, mice, guinea pigs and so forth. While most insurance coverage plans will not cover many of the different household pets, few will offer coverage to common pets, including horses.

Horses are high maintenance critters that require special coverage. Thus, the Internet is open to suggestions, making available horse policy that will offer a generous amount of coverage to owners. Few policies will cover dental work, including coverage for both pet and owner. The policy will offer “personal accidental” coverage, and so forth. The downside is these insurance policies often cost more in premiums than standard insurance policies. Since we are dealing with a huge high maintenance animal, the premiums are higher, since the company will be paying out a fortune for vet care.

One of the common laws regarding horses that apply to owners in various states is the Equine Warning Laws. These laws protect horses and owners against liability, damage, and so forth. The owner is responsible to put up Warning Signs to warn the visitors that accidents/incidents can happen and direct them to safety, plus telling them, they are not reliable if the visitor fails to adhere to the warnings. Not every state has this law to protect homeowners; therefore, the owner would be wise to look for Pet insurance that will cover liability. Pet insurance coverage for horses will often cover the pet and the objects used for the pets needs, including horse trailers. The policies will cover theft, damage, loss, and so forth.

What horse insurance covers

Each policy is different, but few company’s will cover liability, death, stables, personal accidents, theft, riding liability, ‘loss of entry fees,’ hire in for horse maintenance, dental, straying, saddles, tack, vets charges, and so forth. Some of the leading claims filed for horse care are death accident/illness, vet fees for accident/illness, tack and saddler fees. Few providers offer comprehensive coverage to horses extending the coverage to more than forty different states. Thus, pet insurance for horses can offer advantages to owners that transport their horse out of state for shows, trades, and so forth.

Filing Claims

Many of the claims are similar to standard forms, however few companies’ present claims that target the specific incident and/or accident, including illness. For example, if you horse is ill then the company may send a form for that specific need. The company will recommend that you immediately contact the company via the toll-free hotline provided to you and immediately seek treatment for your animal. After you are done at the vet, the company will encourage you to make contact with the company. The claim forms are often downloadable online, thus making it convenient and easy to get the claims to the insurer immediately. Of course, you must go through the same procedures as standard health insurance, by sending receipts to the company. The hotline is setup so that you can get immediate disbursement if necessary.

Advisory: horse insurance may come with higher premiums if your animal is a high-risk. If your horse is used at Rodeos, Racing and so forth, there may be additional coverage needed, and you should expect to pay higher premiums. Few insurance companies may offer generous rates even if your pet is high-risk, so again shopping around are the best solution for getting great rates and comprehensive coverage.

Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!

Also you can check out Gabae Insurance Articles to find the articles you're looking for!

Article Source: http://EzineArticles.com/?expert=Michael_Bens

Horse Insurance: Protecting Our Horses With Horse Insurance

Horse Insurance

Insurance of all kinds has become endemic in our society today; car insurance, home owners insurance, health insurance, and everything in between. The role of insurance in our lives is the protection of our assets. And when it comes to horse insurance, the goals are the same. For those who own one or more horses, horse insurance provides them with the same peace of mind as any other insurance policy.

Just as a serious collector of antique cars would think nothing of purchasing a comprehensive insurance policy to protect his financial interests, the owners of horses must similarly protect their interests. Horse insurance policies are purchased just like any other insurance policy - through reputable underwriters that specialize in this particular type of insurance. The breadth and subsequent price of the insurance policy depends on the type and level of coverage that the horse owner chooses to purchase.

In most cases, horse insurance is purchased because the livelihood of the horse owner depends on the functionality of the horse. For instance, those horses that are used for racing or breeding - and subsequently bring their owners a financial return - are often considered to be prime candidates for horse insurance.

There are a number of different options when it comes to horse insurance and each owner must examine the policies as they relate to their particular situation. Insurance policies can often be customized to fit the owner's particular situation and needs but there is some common practices standard to most policies.

One such horse insurance policy includes coverage for the death of the animal. In this case, the owner receives a pre-determined lump sum payout in the event of an untimely death of the horse.

In the event of permanent incapacitation, due to injury or illness, the horse insurance policy will often pay the owner a percentage of the amount the horse would have earned throughout a healthy lifetime. This coverage is often extended to race or show horses.

For horse breeders, a horse insurance policy that covers infertility is often necessary, as the inability to breed particular horses could result in a significant loss of revenue.

In some cases, owners will purchase a horse insurance policy that acts much like a health insurance policy for humans, covering major medical care in the event of illness, and even specific surgical procedures should the animal require surgical intervention.

There are often caveats placed on a particular horse insurance policy that extends coverage for injury or death to the horse as a result of particular risk factors such as lightening or during the transportation of the horse. These are factors that are spelled out in detail in the policy and are often pricey add-ons. But, depending on the particular situation, it may be well worth the cost.

Most importantly, it is essential that anyone interested in purchasing a horse insurance policy do so through a knowledgeable and trustworthy underwriter. If you are unclear about a particular company's reputation, you should be sure to do your homework. Just as you do with any other insurance policy, get a variety of quotes and comparison shop. In so doing, you can find horse insurance that makes significant allowances for the care of your horse and subsequently protects your financial interests.

For more information on horses, try visiting http://www.interestinghorses.com - a website that specializes in providing horse related tips, advice and resources including information on horse insurance.

Article Source: http://EzineArticles.com/?expert=Riley_Hendersen

Horse Insurance: Should You Purchase Horse Insurance?

Horse Insurance

You are now thinking-what are your crazy? Why would anyone purchase insurance on the average horse? You know that the special thoroughbreds, Arabian, and other special breeds are covered but why should you spend the money for your own horse?

Well, it is no longer an issue for the very wealthy owners and breeders. If medical attention or surgery is needed, this can make a difference between saving your horse's life or putting them down. And, who really wants to sacrifice their pet just because they can not afford to pay the veterinarian?
If you own a horse of any breed, you know that it is a major financial investment.

You not only pay money to purchase him, but the boarding and upkeep for this is very expensive and people just want to protect something that they love. There are a few basic types of coverage you can purchase; they are mortality and major medical-these are comparable to life and health insurance for people.

Now that you realize that you should purchase insurance for your horse, what kind should you get? As with anything, there are an unlimited number of policies available that cover many different things. Some of the basics you will want to consider when getting coverage are major medical and surgical, death, loss of use, and equipment. You are thinking-what, all of this? Well, "Yes." Each of these is an investment you have made and you want to be adequately reimbursed if anything should happen.

If you own or operate a stable, you need even more coverage that would include: liability for trainers, farm owners and guests; property protection; reproduction (stallion and mare fertility versus infertility); and transport of animals.

Usually, a horse owner received money from mortality insurance if the horse dies. Depending on the details in the policy, the owner may receive a full or partial payment based on the value of the animal. A medical and surgical policy will cover costs directly related to the treatment of an injury or illness.
If you are not sure what horse insurance to purchase, find an insurance agent that specializes in horse insurance. They should answer your questions and explain the terms and benefits described in the plan.

It is their job to sell you and other people horse insurance-so, they want to make sure that they do their job correctly. Their reputation can be made or ruined based on how they work with their clients who want to make this purchase for their animals. Just remember, that the agent you select should have experience in the equine arena.

Whether you decide to work with a capable agent or to do the research yourself on the internet, remember what is at stake here. If you do not get the right health insurance for your horse, there may come a time when you truly regret it. Saving a few dollars here and there might make a major different in the amount of coverage you have in the event of a major illness or surgery.

For more information on horses, try visiting http://www.interestinghorses.com - a website that specializes in providing horse related tips, advice and resources including information on horse insurance.

Article Source: http://EzineArticles.com/?expert=Riley_Hendersen