Horses are valuable animals that require an extensive amount of care and upkeep. You may spend thousands of dollars each year caring for the horses on your farm and ranch.
They also are animals capable of inflicting harm on both people and property. Even the most docile and well-trained horses can spook, break loose from their tethers, or fall, causing expensive damages to bystanders and nearby structures.
As much as you value your horse, you do not want to be liable for the expenses that they can incur. You can protect both you and the horses in your care by investing in equine policies from farm and home insurers, the ArkAgency.com, or state farm bureaus today.
Loss from Injuries, Illnesses, or Theft
You may spend hours each day caring for your horses. For all of your best efforts, your horses can still fall victim to injuries and illnesses.
The vet bills that you incur from these circumstances can be costly and take a dent out of your farm or ranch’s bottom line. You may not be able to absorb the expenses without sacrificing some aspect of your livestock operation.
With a policy from a reputable insurer, you can file a claim and have most or all of the expenses met for you. In exchange for your timely premium payments, you can submit the claims and have the veterinarian reimbursed on your behalf.
You also may not be able to withstand the loss of a horse due to theft. Horses have significant resale value on the black market. Horse thieves know that they can find interested buyers regardless of whether the horse has been branded or micro-chipped.
If any of the horses on your ranch or farm get stolen, you can reclaim the monetary loss by using the insurance that you purchase online today. The insurer can reimburse you most or all of the cost of the horse that was stolen.
Property Damage Protection
Horses are sturdy and heavy animals that can easily break your foot or back if they step or fall on you. They likewise are capable of tearing down fence posts, knocking over structures, and even kicking the door off a trailer.
Your insurance policy can be used to cover medical and repair costs stemming from your horse’s behavior or accident. The money can be paid to the property owner or medical facility.