Equine Insurance in Kentucky

Horses are valuable-financially and personally. Equine insurance helps protect against loss, injury, and liability based on how a horse is owned, used, and cared for. United Agency of Kentucky helps match equine coverage to real-world use across Eastern Kentucky.

Mortality & Medical Protection

Horse Mortality Insurance

Provides coverage if a horse dies from covered causes, typically based on the horse's declared value.

Major Medical / Surgical Coverage

May help with veterinary costs related to illness, injury, or surgery, subject to limits and exclusions.

Valuation considerations may include purchase price, training, age, and intended use.

Coverage for Horse-Related Operations

If you board, train, lease, or allow others to ride horses, additional coverage may be needed, such as:

These policies help protect against claims related to injury or property damage involving horses under your supervision.

Common Equine Insurance Concerns

Travel & Showing

Some policies address travel to clinics, shows, or events. Coverage details depend on usage and endorsements.

Tack & Trailers

Equipment and trailers are typically insured separately and should be reviewed as part of your overall plan.

Exclusions

Equine policies often include exclusions tied to age, pre-existing conditions, or certain activities. We'll explain these clearly before binding coverage.

What Insurers Look At (In Plain English)

Carriers may consider:

Good safety practices can support better coverage options.

Built for Eastern Kentucky Horse Owners

From trailering between farms and clinics to boarding on rural acreage, equine operations here often combine personal and operational use. Coverage needs to reflect that reality.

Match Coverage to How Your Horses Are Used

Whether you insure one horse or manage a boarding operation, we'll help you select equine insurance that fits your situation-not a generic template.