Horse Property Insurance Coverage Types

Every insurance category horse property owners need to understand — from the foundational farm and ranch policy to specialized coverages for agritourism operations, fencing, and flood risk.

• Farm & Ranch Insurance — the foundational policy for horse properties
• Equine Liability Insurance — protection against injury and property damage claims
• Barn & Structure Insurance — coverage for barns, arenas, and outbuildings
• Agritourism Liability — for properties hosting events, trail rides, and lessons
• Fencing & Improvements — perimeter and cross-fencing coverage
• Livestock Coverage — mortality and theft protection
• Flood Insurance — coverage standard policies exclude
• Equipment & Machinery — tractors, ATVs, and farm equipment