A directory of property and casualty insurers offering farm and ranch, equine liability, and horse property coverage — from national carriers to regional specialists and surplus lines markets.
One of the largest specialty insurers for equine and agricultural risks in the United States. Markel offers farm and ranch policies, equine mortality and major medical insurance, and liability coverage for equestrian operations of all sizes. Strong presence in the horse property market nationwide.
Known for equine specialty coverage; one of the most recognized names in the horse insurance market.
American Family offers farm and ranch insurance in most of its operating states, with coverage for horse properties including farm structures, livestock, equipment, and farm liability. Broad market presence in the Midwest and West.
Strong presence in Midwestern horse property markets.
Nationwide's agribusiness division provides farm and ranch insurance for horse properties, including coverage for farm structures, equine liability, farm equipment, and livestock. One of the largest farm insurers in the country with significant horse property experience.
Large farm insurance market share; experienced with commercial equestrian operations.
State Auto writes farm and ranch risks in its operating states with coverage for horse properties including structures, liability, and farm personal property. Independent agent distribution.
Independent agent distribution; regional market focus.
Farmers offers farm and ranch policies through its network of agents covering horse properties with structures, liability, and equipment coverage. Available in most western and central states where horse property concentrations are highest.
Large agent network; good coverage in western horse property markets.
Western National specializes in farm and ranch insurance in western states, with strong experience in horse property risks including wildfire-exposed properties. Known for competitive pricing in challenging western markets.
Western states specialist; experienced with wildfire-zone horse properties.
Wisconsin-based mutual insurer with strong farm and ranch programs including horse property coverage. Regional focus with deep agricultural roots and competitive farm policy pricing.
Mutual insurer with strong policyholder focus; Midwest regional market.
EMC offers farm and ranch insurance through independent agents in the Midwest and South, with coverage for horse properties including structures, liability, and equipment. Strong agricultural underwriting expertise.
Independent agent distribution; strong agricultural underwriting.
Grange Mutual provides farm and ranch insurance through independent agents in the Midwest and Mid-Atlantic, with coverage appropriate for horse properties of moderate size. Member-owned mutual with long agricultural history.
Member-owned mutual; strong community ties in agricultural markets.
Wisconsin and upper Midwest regional carrier offering farm and ranch coverage including horse property insurance. Independent agent distribution with strong regional agricultural underwriting.
Regional focus; competitive in upper Midwest horse property market.
Agricultural specialty coverage including farm and ranch policies for horse properties. Programs available through independent agents with focus on agricultural and equestrian operations.
Agricultural specialty focus.
Specialty farm and ranch insurer focused on Great Plains states with strong horse property programs including coverage for large acreage ranches, commercial equestrian operations, and high-value horse facilities.
Great Plains specialist; experienced with large ranch horse operations.
Philadelphia Insurance offers specialty equine and agricultural liability programs including coverage for equestrian facilities, riding schools, boarding operations, and horse shows. Strong commercial equestrian operation specialty.
Specialty commercial equestrian liability programs; strong for commercial operations.
K&K Insurance specializes in event and recreational liability including coverage for horse shows, rodeos, equestrian events, and equine activity operations. A leading provider of one-day and short-term event liability for horse events.
Leading event liability specialist; widely used for horse shows and rodeos.
USAA offers farm and ranch coverage to eligible military members and their families, including horse property coverage with competitive pricing and strong service reputation. Eligibility limited to military community.
Military eligibility required; competitive pricing and strong service ratings.
Zurich's agricultural division provides farm and ranch coverage for larger commercial horse property operations, including high-value facilities, commercial boarding and training operations, and equestrian event venues.
Better suited for larger commercial equestrian operations than small hobby farms.
Burns & Wilcox is a leading wholesale insurance broker that places specialty and hard-to-insure risks including high-risk horse properties — wildfire zones, large commercial facilities, and unique equestrian operations — with specialty markets when standard carriers are unavailable.
Wholesale broker — access through retail insurance agents; solution for hard-to-place risks.
Foremost, a Farmers company, offers specialty farm and ranch coverage including horse property policies. Known for covering non-standard and unique farm risks through independent agents nationwide.
Good option for smaller or non-standard horse properties; independent agent distribution.