Equine Insurance

If you’re a horse lover, you have more than money invested.

Penny Insurance Agency understands your passion for horses, which is why our experts will work with you to fully understand your situation and needs when it comes to you and your horses. We are committed to designing an equestrian insurance program specifically for you based on your risks and exposures. Our agents will bring you competitive rates from top-rated carriers in a timely manner. Your peace of mind and protection of your valuable assets will always be given top priority at Penny Insurance.


Our Equine Solutions:


Farm & Ranch Owners Insurance Solutions:

Property coverage – available in broad and basic form
Dwelling coverage – barns and other farm structures
Personal and farm property coverage
Personal liability for owner occupancies

Equine Mortality and Coverage Solutions:

Full mortality coverage
Reimbursement resulting from accidents, illness, or disease
Major medical and surgical coverage
Third party liability covers bodily injury and property damage to others
Limited theft protection
Horse transit protection


Key Facts About Equine Insurance:

If you are one of the many horse owners in Western North Carolina, equine insurance is something you may have considered or purchased over the years. We would like to share a few key facts about equine insurance to help you as you consider this important aspect of owning and tending to horses. If you have any questions, feel free to complete our contact us form or call us at 828-692-9171 (Hendersonville, NC) or 828-859-6700 (Tryon, NC). Our staff of agents will be glad to address your questions and provide a quote for your consideration.

  1. There are two basic types of equine insurance: all-risk mortality and theft insurance and medical/surgical insurance. Mortality insurance will reimburse you in the event that your horse dies, is stolen or needs to be put down. Most mortality insurance premiums are based on the age of the horse at the time of insurance and it is likely that an insurance agency may deny a request for a mortality policy if the horse is over 20 years of age. Medical/surgical coverage is added to your mortality policy at an additional cost. This type of insurance covers you if your horse needs to be treated for injury or illness.
  1. Not all equine insurance is the same. It’s important to shop around and consider your options. When assessing a mortality policy, especially for competition horses, it’s essential to scrutinize the terms since insured values can vary significantly. The value might be an agreed value explicitly stated in the policy or a fair market value, subject to change if your horse becomes ill or injured. If fair market value, it may impact your ability to replace your horse with one of equal value. Further, if you are a trainer or board and breed horses, you may wish to consider policies that cover your liability and property. There are a number of resources on the Internet to address questions related to equine insurance. It also is helpful to find a reputable equine insurance agency to help answer questions specifically related to you and your situation in order to find the best equine coverage for you, your horse and/or your business.
  1. Call Right Away If you have a mortality or medical/surgical policy, it is very important to call your insurance company as soon as the insured horse becomes sick or injured. In most cases, mortality insurance policies require immediate or prompt notice on the insured horse’s injury, lameness or illness. The notice requirements may vary from company to company so be sure to read your insurance policy carefully to ensure compliance. Taking these important steps helps ensure you and your horse are protected.
  1. Policies are non-transferrable Equine mortality and major medical policies are for a specific animal and cannot be transferred to another animal. You can, however, add a horse to an existing policy with the proper application and paperwork. In addition, if you sell your horse, you will not be able to transfer the policy to the new owner. The new owner will need to secure a separate equine insurance policy to cover the horse he/she has purchased.
  1. Find an insurance agent you can trust While friends and family are a great resources on a number of questions about your horse, it is important to find a trusted, reputable insurance agent who can lend advice on the best equine insurance options for you and your situation. Insurance policies can be tedious documents with a number of provisions that vary policy to policy. Finding an agent you trust to help you decipher the fine print is important in the process. Ask questions. Secure confirmation in writing. It is your policy and important that you know what’s covered and are comfortable with the insurance company handling the policy on your behalf.


“As an independent agent, Penny saved me hundreds of dollars a year when I switched to them for my insurance coverage”

Ron Stephens
Hendersonville, NC

equine insurance

Let us design a custom equestrian insurance plan that fits your needs.

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Have questions? Contact our local teams today to discuss our Equine offerings.
Hendersonville: (828) 692-9171
Tryon: (828) 859-6700

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