• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.

Announcement

Collapse

Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

Horse Insurance

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Horse Insurance

    I have a 6 year old warmblood mare that I ride in hunters and I need to get insurance on her. I live in MO if that matters. anyone have any ideas on who to contact?

  • #2
    Sent you a PM
    Impossible is nothing.

    Comment


    • #3
      I have insurance with Markel using Debbie de Turk Peloso, and was happy with the rate and the service:

      http://www.horseinsurance.com/OHS/Pa...ecialists.aspx

      I have also heard good things about Blue Bridle, but have not deal with them.

      Comment


      • #4
        I use Markel too.
        You don't scare me. I ride a MARE!

        Comment


        • #5
          A lot of folks represent Markel, but there are other companies out there that where you can get more bang for your buck.

          Contact Jennifer Oliver -
          jennifer@truslowyost.com. She can out quote anyone!
          Randee Beckman ~Otteridge Farm, LLC (http://on.fb.me/1iJEqvR)~ Marketing Manager - The Clothes Horse & Jennifer Oliver Equine Insurance Specialist

          Comment


          • #6
            Blue Bridle and Horse Insurance Specialists is who I've used. Good experiences with both.
            My adventures as a working rider

            theworkingrider.blogspot.com

            Comment


            • #7
              I use Legis Equine and policy is through Great American. I'm happy with Legis...Great American is "m'eh." I stay with them because I'm in the insurance industry and just don't see the profit margin for major medical equine insurance* so i guess I figure i'm getting more than my money's worth with my sucky policy.







              *I would suppose that all the mortality coverage without MM is where the profit is. MM seems like a losing proposition with performance horses, if you ask me.
              Keith: "Now...let's do something normal fathers and daughters do."
              Veronica: "Buy me a pony?"

              Comment


              • #8
                you can contact markel and obtain insurance direct thru them. I've had Markel for years, then last year switched to Hallmark as Hallmark was slightly less and gave me a $3000 colic rider vs $2500 that Markel offered, and overall it seemed as I got more bang for buck over Markel but to be honest, I didn't scrutinize over the differences. Unfortunately I did have to file a couple of claims w/ Hallmark last year and found them to be quite good and timely w/ my claim so at present I have no complaints and just got my renewal notice.

                Comment


                • #9
                  I would give Corinthian Insurance a look. Its run by a well respected horse family in the area. Joe Lombard is very fair. www.corinthianinsurance.com
                  RIP Triple Take (aka Indiana )

                  Comment


                  • #10
                    I have my horse insured through Diamond State/American Equine Insurance. $300 deductibles, a $10,000 MM policy even though my horse is only insured for $5k under her Mortality policy, and no co-pays for diagnostics. The yearly premium is around $600. I went through Randy Levesque in Middletown, RI. PM me if you'd like his number.
                    http://www.lucysquest.blogspot.com

                    Custom Painted Saddle Pads and Ornaments

                    Comment


                    • #11
                      I have been with Roger Peters for a few years now. I am happy with them so far.
                      Proud to have two Takaupa Gold line POAs!
                      Takaupas Top Gold
                      Gifts Black Gold Knight

                      Comment


                      • #12
                        I am just now flailing out the papers for hallmark. I've heard great things and even when calling they just seemed a lot more helpful and willing to answer my questions than most places did.
                        Horses aren't our whole life, but makes our life whole

                        Comment


                        • #13
                          Regardless of which insurance company you choose, make sure you know your policy inside and out! Is your horse insured for "agreed value" or "actual cash value" (fair market value)?

                          With agreed value, if your horse is insured for $10,000 and your horse dies, the insurance company will pay out $10,000, as long as there is proof of value. With actual cash value, you may be paying premiums on a $10,000 valuation for 5 years, but if your horse dies, the insurance company will only pay out what your horse is worth at the time of death, which is also known as fair market value. If the economy crashes, your horse was laid up with an injury at the time of death, etc., and the fair market value is only $4,000, that is unfortunately all you will get.

                          Most horse owners are under the impression that if they insured their horse for $10,000 and they have paid their premiums every year that they will get $10,000 if their horse dies. Unfortunately, no always true!

                          As well as knowing your policy inside and out, make sure to keep good records on your insured horses - including pictures, video and show records....and remember to continue to update them! We have done several very tough equine appraisal cases in which the owner did not have a single photo or video of their insured horse(s) that passed away, no show record, nothing....which makes it extremely tough to prove their value! And, if you feel the insurance company is giving you the run around, and you truly believe your horse is worth more, get your own independent Equine Appraisal done and present it to the insurance company. We do a lot of these...and it does work!

                          I've got other tips and tricks on our website at www.equineappraisers.com
                          www.DaventryEquestrian.com
                          Home of Oldenburg, Westphalian & RPSI approved pony stallion Goldhills Brandysnap
                          Also home to Daventry Equine Appraisals & Equine Expert Witness www.EquineAppraisers.com

                          Comment


                          • #14
                            I'm getting it with hallmark. Nice people, better deal money wise and have heard good things about them
                            Horses aren't our whole life, but makes our life whole

                            Comment


                            • #15
                              I have mine through American Equine with Blue Bridle as the agent. Very happy so far.
                              Originally posted by PeanutButterPony
                              you can shackle your pony to a lawn chair at the show...so long as its in a conservative color.

                              Comment


                              • #16
                                Originally posted by rabicon View Post
                                I'm getting it with hallmark. Nice people, better deal money wise and have heard good things about them
                                I can't say enough nice things about Hallmark! I had Markel for years, cannot say anything bad about them as I never had to file a claim with them. As mentioned, I switched to Hallmark as I felt the premium was lower for the same or better coverage. Their response time to questions and when I did have an emergency twice around midnight ) they were quick to call me back while I sat blubbering at the vet hospital.

                                Comment

                                Working...
                                X