Horses require commitment, care, and significant financial investment. When the unexpected happens, whether it is a medical emergency or a liability situation, the costs can become overwhelming quickly. The right insurance plan creates stability in uncertain moments and protects the time, money, and heart you have poured into your horse. Putting coverage in place early helps preserve better options and fewer restrictions. It allows you to respond confidently instead of react emotionally when it matters most.
Horse Insurance Specialist
Top-Rated Equine & Farm Insurance
Protection built for horses, farms, and the people behind them.
Horse Industry
Professional
April Hardeman
Horse Insurance Specialist
Equine Risk
Advisor
Built by a Professional
Inside the Horse Industry
Licensed & Professionally Aligned
Appointed with Leading Equine Insurance Carrier – Markel
State Licensed Property & Casualty Agent
Equine, Farm & Liability Coverage Focus
Why Equine Insurance Matters...
Clear Coverage Guidance
You will understand exactly what your policy covers, what it does not, and how it applies to your specific situation.
Support When It Matters Most
If something happens, you are not navigating it alone. You have guidance from someone who understands the horse world.
Coverage Solutions for the Horse Industry
Insurance options tailored to horse owners, equine professionals, and farm operations.
Horse Mortality
Protection against financial loss due to death, theft, or approved humane euthanasia.
Major Medical and Surgical
Coverage for unexpected veterinary expenses related to illness, injury, or surgery.
Private Horse Owner Liability
Protection if your horse causes bodily injury or property damage, on or off your premises.
Commercial Equine Operations
Coverage for trainers, boarding facilities, lesson programs, and horse related businesses.
Farm and Ranch
Property and liability protection for farms, barns, equipment, and land.
Riding Instructor and Trainer
Liability solutions designed for professionals teaching or training horses.
Equine Service Professionals
Coverage for farriers, chiropractors, massage therapists, and other equine service providers.
Horse Clubs and Associations
Insurance options for events, clinics, leased premises, and organized activities.
Why Mane Trust horse insurance?
Mane Trust is appointed with one of the most established equine insurance carriers in the industry. With decades of underwriting experience and a long track record of stability, our carrier partner has consistently supported horse owners, farms, and equine operations across the country. When you work with Mane Trust, you benefit from both trusted carrier strength and personalized guidance.
Decades of Equine Experience
Our carrier partner brings more than 50 years of equine insurance experience, underwriting specialized policies for horse owners and equine professionals nationwide.
Stability You Can Rely On
Coverage backed by a carrier with decades of steady performance and a reputation for strength in the equine insurance space.
Industry Investment
Actively supporting the horse industry through sponsorships, partnerships, and reinvestment into major equine events and organizations.
Specialized Coverage
Policies designed specifically for private owners, farms, trainers, boarding operations, and equine service professionals.
Equine Insurance Questions Answered
Understanding Horse Insurance Made Simple
How does equine insurance actually work?
Horse insurance works by helping protect you from large, unexpected costs. You pay a premium for coverage, and if your horse experiences a covered illness, injury, or loss, you can submit a claim. Coverage details vary based on the policy selected.
What if my horse is worth more now than when I bought them?
Regarding value, the amount you originally paid for your horse is not always the full picture. If you have invested in professional training, competition mileage, or performance development, your horse’s current value may be higher than the purchase price. In those cases, we can assist with a justification of value form to support a higher insured amount, subject to underwriting review.
What information is needed to receive a quote?
To get a quote, we’ll need some basic details about your horse, such as their age, value, what they’re used for, and any health history. If you’re looking for liability or farm coverage, we may also ask a few questions about your property and how your operation runs.
Can you review my current policy?
Yes. A complimentary coverage review is available to help identify potential gaps or limitations in your current policy.
Ready to Put the Right Coverage in Place?
Whether you own one horse or operate a full equine program, the right coverage provides confidence when it matters most. Mane Trust helps you review your risks, understand your options, and select coverage that aligns with your goals.