Private Horse Owner Liability Insurance
Liability Insurance in Minutes,
Protection for Life
Protection wherever your horse goes - from boarding facilities to show grounds to trail rides. Get Private Horse Liability coverage with proof you can download today.
Up to $1m of liability cover
$15k of tack & equipment cover
From under $1/day for many owners
A Rated Horse Insurance
Stable Cover customers are supported by A.M. Best Co. A Rated Insurance, that has already helped over 170,000 horses and over 50,000 customers.
*Insurance companies assigned as a A rating, have an excellent ability to meet their ongoing obligations to policyholders.
Why Horse Owners Choose Private Horse Liability
Your horse doesn't stay in one place - and neither should your liability coverage. Here's why thousands of horse owners trust our Provate Horse Owners Liability (PHOL) insurance for protection that actually works.
Get your Private Horse Liability policy in minutes with instant proof download. No waiting weeks when boarding applications can't wait.
Coverage travels with you - boarding barns, show grounds, trail rides, anywhere your equestrian journey takes you across the U.S.
Up to $1,000,000 per occurrence coverage. Medical payments up to $5,000 per accident, regardless of fault. Fire legal liability $100,000 per claim.
Optional tack coverage up to $7,500 per item, $15,000 total per occurrence, just $500 deductible. Protection at home and while traveling.
Private Horse Owners Liability
What Private Horse Liability Actually Covers
Think your homeowners insurance covers your horse everywhere? Think again. Most policies exclude or severely limit equine incidents, especially away from your property. Our Private Horse Owners Liability insurance fills those dangerous gaps with coverage that makes sense.
Bodily Injury & Property Damage: Up to $1,000,000 per occurrence; up to $2,000,000 aggregate available
Medical Payments: Up to $5,000 per accident, paid regardless of fault - helps preserve relationships
Fire Legal Liability: $100,000 per claim for damage to non-owned property like boarding facilities
Automatic Additional Insureds: Boarding facilities covered when required by contract—no paperwork hassles
Optional Tack & Equipment: Up to $7,500 per item, $15,000 total per occurrence, $500 deductible
Real Horse Moments
We Protect Against
Horse Liability Insurance FAQs
All the questions you’ve ever wanted to ask about horse insurance.
Usually not. Most homeowners policies exclude or severely limit horse-related incidents, especially away from your property. Boarding facilities, shows, and trail rides typically have zero coverage.
We handle automatic additional insureds when required by boarding contracts or facility agreements. No extra paperwork, no delays—it's built in.
Immediately after purchase. Download your certificate of insurance and additional insured documentation the moment you're covered. Perfect for last-minute facility requirements.
Add optional tack coverage for up to $7,500 per item with a total limit of $15,000 per occurrence and just a $500 deductible. Your gear is protected at home and while traveling.
Up to $1,000,000 per occurrence for bodily injury and property damage, with up to $2,000,000 aggregate available. Medical payments up to $5,000 per accident, and fire legal liability up to $100,000 per claim.
Built by riders, for riders—not generic livestock coverage
Finally, Horse Insurance That Gets Horse People
We understand that horses are family, not farm animals. That's why we provide Private Horse Owners Liability insurance that actually works for real horse owners living real equestrian lives. No weeks of waiting while your boarding application sits in limbo. No confusing exclusions written in legal gibberish. No surprise gaps when you need coverage most.
Thousands of horse owners trust Stable Cover because we're part of the equestrian community, not just selling insurance to it.
Complete policy in minutes with instant proof download—because horses don't wait for paperwork
Policies you can actually understand, with exact limits clearly stated—no insurance jargon mysteries
Coverage that follows your horse from barn to trail to show ring across all U.S. states
"Quick And Easy Process"
An accident forced me to submit my first claim only three months after buying horse insurance. Stable Cover covered the agreed part according to the terms and conditions of my policy. I did just the basics: I submitted a claim, and it has already been solved. I am so glad I decided to get this product for my horse.
Sarah - Dallas
Lifetime of Peace of Mind
Don't let insurance gaps turn horse moments into financial nightmares
Policy complete in minutes, not weeks
Instant proof download for immediate needs
Coverage that travels wherever your horse goes
Competitive pricing under $1/day for many owners