Your Horses
Enter the number of horses and average value per discipline. Leave unused rows at zero.
| Discipline | # Horses | Avg Value ($) | Risk |
|---|---|---|---|
| 🤠 Rope | Moderate | ||
| Moderate | |||
| ✂️ Cutting | Higher | ||
| 🏆 Reining | Higher | ||
| 🐎 Pleasure | Lower |
Coverage Options
Full value pays the entire insured amount at loss. 80% reduces premium ~12%.
Major medical covers colic surgery, fractures, and acute illness. Highly recommended for performance horses.
Covers bodily injury or property damage caused by your horses. Often required at show facilities.
State affects vet cost index and some underwriting factors.
Horse Details & Add-Ons
Stallions carry higher mortality and liability risk. Most carriers load stallion premiums 15–20% above mares and geldings.
Commercial equine operations require different policy forms and carry higher liability exposure. Expect 20–25% loading on mortality and significantly higher liability premiums.
Higher deductibles reduce the medical portion of your premium. Industry range is $150–$500. Applies to major medical coverage only.
Pays 60–75% of insured value if a horse is permanently unable to perform its insured use due to injury or illness. Recommended for high-value performance horses.
Available Discounts
Check all that apply. Based on real underwriting credits from major equine carriers (Markel, Great American, Broadstone).
Estimated Premium
Updates as you enter values
Enter at least one horse above to see your estimate.
How Equine Insurance Premiums Are Calculated
Mortality Rate
Most insurers price mortality at 2.5%–4.5% of insured value annually. Performance horses typically land at 3%–3.5%. The rate reflects statistical loss ratios across thousands of horses.
Discipline & Gender Risk
High-stress disciplines like cutting and reining carry higher mortality risk. Stallions are typically rated 15–20% above mares and geldings due to higher injury and liability exposure.
Major Medical & Deductibles
Colic surgery averages $7,000–$15,000. Major medical adds a flat per-horse premium. Choosing a $250–$500 deductible can reduce that medical premium by 6–12% — a common cost-control strategy.
Loss of Use
If a performance horse is permanently unable to compete due to injury or illness, Loss of Use pays 60–75% of insured value. Priced at 2–3% of value annually — critical for horses worth $25K or more.
Commercial Operations
Boarding, training, and lesson operations require commercial equine policy forms with significantly higher liability limits. Expect 20–25% premium loading vs. private ownership policies.
Underwriting Factors
Vet records, prior claims, age, and training history all affect your actual quote. Horses over 15 or under 3 face loading charges. Clean health histories and association memberships can earn discounts.