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  1. #1
    Join Date
    Mar. 24, 2004
    Yew-stuhn, Texas

    Question Should I increase horse's insurance value?

    Hi all,
    It's time to renew my horse's insurance policy and I'm wondering if I should increase his insurance value? I'm no good at this kind of thing!

    He's a 2004 TB gelding, in good health, no lamenesses, decent conformation, average mover etc. but since I got his policy last year, he has received an additional 2 months of professional dressage training and has also been started over fences with a different professional trainer who says he's got really good potential as a children's jumper or eventer (which is what I plan to do with him).

    He's still somewhat green and has no show record at the moment, but improving steadily so some minor/schooling shows may be in the near future. He's currently valued for insurance purposes at $2500. Thoughts? Thanks.
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  2. #2
    Join Date
    Apr. 14, 2001


    I don't think going from $2500 to, say, $5000 increases your premium by much of anything, so I would at least explore the option.

  3. #3
    Join Date
    Aug. 17, 2004
    Rixeyville, VA


    You are paying a minumum mortality premium and I bet it is pegged at a higher insured value than the one you have. So I would see if you can insure up to whatever that minimum premium number really buys. It's been my experience that the minimum premium is pegged to around $5K in value.

    Check with your agent or carrier. You should be able to authenticate the increased value with your training fees.
    Where Fjeral Norwegian Fjords Rule

  4. #4
    Join Date
    Oct. 20, 2001
    San Jose, CA


    I had a horse where I doubled coverage from $10k to $20k with comps from sales sites of similar horses plus a letter from my trainer. There was no show record as I didn't show at the time. So I don't think you'll have much trouble! Just ask you agent what is needed.

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