Equine Insurance in Gallipolis, OH,
and Surrounding Areas in Ohio and West Virginia

Serving OH Counties of Gallia, Vinton, Scioto, Pike and Jackson, Lawrence, Meigs, and Athens and WV Counties of Mason, Jackson, Putnam, Cabell, Wood

Equine Insurance at Carmichael Insurance & Financial Services LLC

When you need equine insurance in Gallipolis, OH, and surrounding areas, call Carmichael Insurance & Financial Services LLC. Horses are not just animals; they represent a significant investment in time and money for many. Many understand the importance of safeguarding these magnificent creatures in Gallipolis, OH, and surrounding areas.

That is where Carmichael Insurance & Financial Services LLC steps in. We offer specialized equine insurance tailored to the region’s unique needs of horse owners. For more information, call (740) 446-4677 or contact us online.

Why Equine Insurance in Mason County, WV, and Surrounding Areas?

Horse ownership brings numerous joys, but it also comes with certain risks in Mason County, WV, and surrounding areas. Horse owners can face considerable financial strains from illness, injury, and liability issues. Equine insurance protects against unforeseen circumstances. It also ensures owners can care for their equine partners without bearing the brunt of unexpected expenses.

Carmichael Insurance & Financial Services LLC: Trustworthy Protection

Based in Gallipolis, OH, Carmichael Insurance & Financial Services LLC is well-versed in the complexities of equine insurance. With years of experience, we have built a reputation for providing comprehensive coverage options and unparalleled customer service. We understand that everyone’s situation is unique. Because of this, we work closely with clients to find the perfect fit for their needs.

Why Choose Carmichael Insurance in Gallipolis, OH, and Beyond

Being local to Gallipolis, Carmichael Insurance understands the region’s equestrian community and specific needs. Our commitment to understanding each client’s unique situation ensures horse owners receive the best coverage. Plus, with our responsive agents, claims processing is swift, reducing stress during difficult times.

In conclusion, show jumpers, racers, or beloved family pets, horses deserve the best care and protection. For horse owners in Gallipolis, OH, and surrounding areas, Carmichael Insurance & Financial Services LLC is a trusted partner. We provide the peace of mind that comes with knowing that their equine companions are safe.

Why Insure Your Horse with Us?

You have made an investment. When you own a horse, you have made a commitment not only monetarily but with your time, effort, and dedication. Purchasing insurance to protect that way of life is the best way to safeguard against unforeseen circumstances that can threaten everything you hold dear. Whether you purchased your horse or raised it from birth, let us make sure you have the coverage you need to ensure your peace of mind. When considering the overall cost of owning a horse insuring your horse is minimal in comparison. 

We know what matters most. Service is the foundation of our business. We know when you purchase insurance from us that you are putting your trust in us, not only when you have a claim but for communication when you have questions or changes. When you select an insurance agent, we know that it is foremost for the relationship and personal service you will receive. When you suffer a loss, we have on-call service 24-hours a day with the carriers we use to provide efficient claims services. We are easily accessible and always ready to serve you.

Ask us about Farm & Ranch Coverage and Other Services We Provide

Understanding Your Options

  • Animal Mortality Coverage: Death coverage on a broad perils basis, including accident, injury, sickness and disease. Theft is also covered.
  • Emergency Colic Surgery Expense Coverage: Coverage for emergency colic surgery expenses as an endorsement to the animal mortality coverage at no additional cost.
  • Major Medical Expense Coverage: For veterinary medical and surgical expenses incurred for a covered horse as a result of a covered accident, injury, sickness, or disease. Various limits of insurance options are available. Deductibles may apply.

Frequently Asked Questions

Q: Can I insure my horse for more than I purchased it tor?

A: Yes, as a general rule, the maximum amount of insurance allowable is the purchase price. However, we will take into account increases in value resulting from show/performance records, breeding records, training fees paid to date and any money earned. You may substantiate additional value by filing out the Substantiation of Value form.

Q: Will you consider offers to purchase or appraisals to substantiate value?

A: No, we do not accept appraisals or offers for purchase to constitute value.

Q: I bred and raised my horse. What is the most I can insure it for?

A: Horses that are bred and raised may be insured for 3 times the stud fee paid. lf there are additional show/performance records, breeding records, or training fees paid, those values will be considered, as well.

Q: What is the difference between an agreed value policy vs. a fair market value or actual cash value policies? What do you provide?

A: We provide agreed value policies. Agreed value means that the insurer will pay the value of the horse that is stated on the policy provided the information we receive is accurate. In a market value or actual cash value policy, the insurer pays only the value of the horse at the time of its death. lf the horse’s value has decreased due to an illness or injury, the insurer will pay the lesser value.

Q: Are “older” horses eligible for coverage?

A: Beginning at age 14, horse’s rates do change but are still eligible for coverage.

Q: Does my full mortality policy cover anything in addition to death and theft?

A: Emergency colic surgery coverage is also included on your policy for no additional fee up to the lesser of 50% of the horses agreed value limit of insurance or $3,000.

Q: Can I purchase major medical coverage as a stand-alone policy?

A: You must first purchase a mortality policy to be eligible for major medical coverage on your house. Major medical coverage is than added as an endorsement.

Q: Does major medical coverage provide for any preventative maintenance?

A: Preventative maintenance such as joint injections are not covered under optional major medical coverage.

Q: lf my horse has been treated for colic, can it be insured?

A: Typically there may be a waiting period to insure a horse that has been treated for colic. Otherwise, the company may cover the horse with an exclusion for colic and review the circumstances when the policy approaches renewal.

This list of questions should only be used as a guide. Answers have been generalized. If you have specific questions pertaining to your equine insurance, please contact our agent.

Contact Carmichael Insurance & Financial Services LLC in Gallipolis, OH, and surrounding areas when you need equine insurance.