Horse & Hound
Saving time and money
Combining your home insurance with your horse’s equipment and yard cover could be a win-win situation. Shearwater Insurance explains more
HOME insurance is one of life’s unavoidable costs, but could insuring your home and your horse’s home at the same time turn out to be a win-win situation? Working with an equestrian insurance broker who can handle your personal insurance matters could not only leave you with more time to spend in the saddle, but financial savings, too.
WHEN you were looking for your home, was it all about price? For most, there’s so much more to finding the right home than price. The same can be said for insurance. As much as insurance brokers, like Shearwater, are legally bound to provide you with the best policy pricing available to them, they also have the breadth of knowledge that allows them to provide a policy that meets your needs – spanning the gap between personal and equestrian insurance.
With time taken to understand what makes your home special, an experienced broker can produce a policy that provides buildings cover for your home, associated outbuildings and stables all under one policy.
Homes of non-standard construction or of a specialist nature, such as thatched buildings and listed properties, will often require specialist insurance. Specialist high net worth insurance is also available, designed to cover homes and possessions of a higher value, giving you the protection where you need it most.
TACK COVER AS CONTENTS
CONTENTS insurance is often covered separately from the building itself. Standard home insurance will provide cover for the building, fixtures and fittings, whereas contents insurance will offer cover in the event of theft, loss or damage for individual possessions. As a general rule of thumb, contents are classed as anything that could be picked up and moved to a new home, such as jewellery, electronics and saddlery.
It is little wonder that theft of saddlery and tack is rife; these items may be small but they’re expensive. Should they be damaged or stolen, getting you back in the saddle as soon as possible is the main priority. Savings can be found by adding expensive items of saddlery to your household insurance policy rather than adding them on to horse insurance policies. With worldwide and all-risks cover available on contents, your saddle could be covered both at home and away.
ON THE YARD
WITH home insurance being an obvious choice, insurance for your horse’s home should be, too. Far more than just a shelter, your stables are the epicentre of feeding, training and caring for your equine friends. Insurance is available to cover the stable buildings and equipment housed within them for fire, theft, malicious damage, flood and storm – the costs to replace these things would far outweigh the costs to insure.
Ready to discuss your insurance options? Call Shearwater Insurance to chat to an experienced advisor who understands the unique requirements of your equestrian life. Quote HH10 for 10% off new household policies. Visit shearwater-insurance.co.uk
“It is little wonder that theft of tack and
saddlery is rife”