Owning a horse is an expensive affair only next to owning a house or car. Apart from the cost of the horse there may be a string of recurring expenses that you may have to regularly cater to such as vet's fees, hospitalization charges and horse box maintenance, security and safety of the animal are additional concerns.

In case someone is hurt by your horse, the owner is liable to pay for damage or injury to a third party irrespective of whether it was due to negligence or not. In such a eventuality getting a basic third party liability insurance cover is a must. In case someone is hurt by your horse, the owner is liable to pay for damage or injury to a third party irrespective of whether it was due to negligence or not.

Equine Mortality insurance can protect you financially in the event of the untimely death of your horse. Equine mortality insurance covers the causes of loss under different heads such as full mortality and named perils. While the former provides cover for all risks and covers death due to any cause. A Named perils policy would cover your horse for causes of loss listed specifically mainly accidental death.

Whether you use your horse or horses for personal or commercial purposes, it is advisable to purchase liability cover for horses for your own financial security.

Some of the things that you need to consider before signing up for a horse insurance policy include -
Veterinary doctor's fees
Hospitalization
Death of horse
Third party liability
Horse rider insurance
Horse box insurance
Insurance against fire
Horse thefts
Dental cover
Horse hire