Equine Insurance Oregon
Specialized equine and equestrian insurance for horse owners, boarding facilities, trainers, and riding programs in Central Oregon.
Central Oregon's equestrian community is one of the most active in the Pacific Northwest, with horse owners, boarding facilities, trainers, and riding programs throughout Crook, Deschutes, and Jefferson counties. Prineville Insurance provides specialized equine insurance for horse owners and equestrian businesses, working with carriers that understand the unique risks of the equine industry.
Mortality Insurance
Coverage for the death of your horse from accident, illness, or disease — protecting your investment in registered, performance, and pleasure horses.
Major Medical
Coverage for veterinary expenses resulting from illness or injury — including surgery, hospitalization, and diagnostic procedures up to your policy limit.
Equestrian Facility
Coverage for boarding facilities, arenas, barns, and other equestrian structures against fire, wind, and other covered perils.
Equine Liability
Protection against liability claims arising from horse-related activities — including boarding, training, lessons, trail rides, and equestrian events.
Care, Custody & Control
Coverage for horses in your care — essential for boarding facilities, trainers, and veterinarians who are responsible for horses owned by others.
Loss of Use
Coverage for permanent loss of use of a horse due to injury or illness — protecting your investment in performance and working horses.
What's Covered
Frequently Asked Questions
What does equine insurance cover in Oregon?
Equine insurance in Oregon can cover horse mortality (death), major medical expenses, loss of use, equine liability, equestrian facility property, and care, custody, and control liability. Coverage options vary by carrier and can be customized for your specific situation — from a single pleasure horse to a large boarding facility.
Do I need equine liability insurance?
Yes. Oregon's equine activity liability statute provides some protection for equine activity sponsors, but it does not eliminate all liability. If you board horses, offer lessons, run trail rides, or host equestrian events, you need equine liability insurance to protect against injury claims from riders, spectators, and visitors.
How much does horse insurance cost in Oregon?
Horse insurance costs depend on the horse's value, age, breed, use, and the coverage you choose. Mortality insurance for a pleasure horse typically costs 2–4% of the horse's insured value annually. Contact Prineville Insurance for a customized quote.
Does my homeowners policy cover my horses?
Standard homeowners policies typically provide very limited coverage for horses — often only for fire and some other perils, and with low sublimits. If you have valuable horses or operate any kind of equestrian business, you need a specialized equine insurance policy.
Get a Free Equine Insurance Oregon Quote
Serving Crook County, Deschutes County, Jefferson County, and all of Central Oregon since 1935.
