How much does equine insurance cost?

Mortality coverage typically costs 3.5 to 5 percent of the horse’s insured value per year (a $25,000 horse runs $875 to $1,250 in mortality premium). Major medical and surgical adds $200 to $700 per year, depending on coverage limit and deductible. Equine liability for a single private owner is typically $300 to $800 per year. Commercial equine liability for a boarding or training operation is priced based on number of horses and revenue, typically $1,500 to $5,000 per year for a small barn. Premiums increase with horse age, breed, and intended use.