How Equine Insurance Can Protect Your Horse From Local Risks  

Whether you ride for sport, pleasure or profession, horses represent a meaningful investment. In areas like Hammonton, NJ, horse owners face a unique mix of local risks, from seasonal weather shifts to accidents on rural roads, making equine insurance essential.

What Does Equine Insurance Cover?

Equine insurance may offer protection for several categories of risk, depending on the policy. Some common types of coverage include:

• Mortality insurance—This may pay out if your horse dies due to illness, injury or theft.

• Major medical and surgical—This coverage helps pay for expensive veterinary care, including diagnostics, surgical procedures and necessary aftercare.

• Loss of use—This may offer reimbursement for a portion of your horse’s value if it can no longer fulfill its intended purpose due to injury or illness.

• Liability protection—This may help cover costs if your horse injures someone or damages property, whether at home or while offsite.

What Local Factors Might Increase Risk?

Horse owners in Hammonton, NJ may face several region-specific hazards. Heavy storms and hurricane remnants can lead to flooding or downed fencing. Agricultural chemicals used on nearby farms could pose health risks if ingested. Roadside riding is also common in rural areas, which can increase the chance of accidents involving vehicles.

Additionally, equine events and boarding situations bring their own exposures, such as infectious diseases or injuries while trailering.

How to Find the Right Equine Coverage

Not all policies are alike. Some may require detailed medical records or have strict exclusions for preexisting conditions. An agent familiar with local equine risks can help assess your needs and match you with a plan from M.L. Ruberton Agency or another reputable provider. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.