Equine Specified Perils

WHAT IS IT?

This is a very limited coverage policy that covers your horse in the event of death caused by one of the very specific perils occurring and reported during the policy period.

WHAT IS COVERED?

The policy covers your horse in the event of death caused by one of the following:
-Fire, lightning, &/or smoke resulting from fire or lightning
-Windstorm, hail & cyclone/tornado
-Collapse of bridges, culvert, trestles, roadways, docks, piers, wharves, or bulkheads
-Stranding, sinking, collision, or burning of a waterborne vessel while transporting the horse
-Collision, derailment, and/or overturning of a transporting vehicle including the loading/unloading of the horse from a transporting vehicle
-Explosion
-Riot or civil commotion
-Earthquake or volcanic eruption
-Flood
-Drowning
-Accidental shooting
-Electrocution
-Physical attack by dogs or wild animals
-Collapse of buildings, barns or sheds

REQUIREMENTS

The covered horse must be between the ages of 2 through 24.

EXAMPLES

  1. You have a band of 5 broodmares in a pasture. You want to have them insured, but want to save as much money on a policy as possible. The mares range in value from $2,000 to $10,000. You take out an Equine Specified Perils on the mares. Two of the mares, both valued at $5,000, are caught in a tornado storm and are killed. You call your insurance agent at Plains Horizon Equine Insurance and report the accident. The policy pays out $10,000 for the two horses.
  2. You have a 20-year-old gelding at the ranch that your kids ride at playdays. He is valued at $3,500. You have him insured with an specified perils policy. During hunting season, a hunter is shooting at a deer and the bullet accidentally hits the horse, and kills him. You call your insurance agent at Plains Horizon Equine Insurance and report the accident. The policy pays out $3,500 for the gelding.

Examples are for information purposes only.
Every case is unique. Contact an agent for details.
(877) 569-8960.

COST

Rates typically run .6% for broodmare, 1.0% for all other uses.

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