Personal Horse Ownership Insurance

Sea Mountain Insurance provides comprehensive coverage for horse owners to help you enjoy a worry-free future.

Safety and security

Sea Mountain Insurance offers the best protection during times of financial hardship. Our programs are designed to help you pay for damages from claims brought against you by others who sue because of an injury from contact with your horse, the horse pulling something from the ground, stepping on something and breaking it, and anything else that happens as a result of contact with your horse.

It's just what you need

Chances are that if you own a house and have homeowners insurance, then you won't be eligible for our personal horse ownership liability program. However, we offer other types of insurance such as livestock-ownership liability insurance so don't worry about being unprotected!

What's covered?

Personal Horse Ownership Liability covers bodily injury claims which may result from the use of your horse and includes property damage claims. Sea Mountain Insurance provides liability coverage for you and your horses even if your homeowners policy won't provide coverage where your horse is boarded. The policy applies anywhere in the United States or Canada.

To qualify, however, you cannot be personally involved in a professional training, breeding or boarding operation.

FAQ

What does Personal Horse Ownership Insurance typically cover?

Personal Horse Ownership Insurance coverage can include protections that vary by carrier and policy form. Sea Mountain Insurance helps you compare options and select limits and endorsements that fit your situation.

How do I know what limits I need?

Limits depend on your assets, contractual requirements, and risk exposure. A short review of your current policies and goals is usually enough to recommend an appropriate starting point.

Can Sea Mountain Insurance compare multiple carriers?

Yes. As an independent agency, Sea Mountain Insurance can shop multiple top-rated carriers to help you balance coverage, pricing, and service.

How quickly can I get a quote?

Timing depends on the line of coverage and required documentation. Many personal lines can be quoted quickly, while specialty business or marine risks may require additional underwriting details.

What information should I have ready?

In general: current policy declarations (if available), loss history, key asset details (vehicles, property, equipment), and any contract or lender requirements.

Do I need additional endorsements?

Endorsements can fill common gaps (e.g., additional insureds, equipment coverage, higher liability limits). Your specialist can identify what is appropriate based on your needs.

 

We Can Help

At Sea Mountain Insurance, we're not your typical insurance agency. We're an independent insurance agency representing some of the top property & casualty companies in the country. We're able to offer our clients a broad range of products that provide them with the assurance that they need to protect their assets, their family's future, and their livelihood. Contact us about Equine Insurance or for a free review and quote for Equine Insurance.

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