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Nothing quite says Tennessee like owning your own horse. In many households, horses are practically a part of the family. For others these magnificent animals will provide a ride on the road of ambition, winning shows or races. Whichever side of the proverbial fence you may be on, owning a horse is an investment, often a rather expensive one. You never truly know when something may happen, which is why its also important to consider equine mortality insurance in Tennessee.
Coverage varies by company, but many plans provide for instances such as the following:
- Expenses for sickness or accidents
- Colic-related care
- Joint and muscle treatments to improve performance
It will also be necessary to ensure the plan you choose covers your horse as you intend to use it. Some include only horses meant to be ridden for pleasure and personal use, while others allow usage to extend to racing, hunting, and show horses.
Be sure to review the age limit for inclusion; an older horse may not qualify for renewal on certain plans. Also, check the maximum coverage available and ensure it fits the needs of your animal.
Peace of Mind
No one likes to dwell on the injury or illness of an animal. Equine mortality insurance in Tennessee allows you to make the tough decisions now so all you will need to focus on if tragedy strikes is your horse and not the dollar signs.
Every dog owner is responsible for the actions of their pets and is exposed to possible liability for dog bites as well as other canine-inflicted injuries. Dog bites account for a large number of injuries annually, and at least 4.5 million Americans every year are bitten. Children are often the victims of the most serious attacks, and the annual losses exceed $1 billion dollars. A Florida Covered Canine Policy provides protection that a standard homeowners or renters policy may fail to offer.
Victims are often those people most familiar to the owner
The most likely victims of a possible dog attack are surprisingly not strangers or intruders, but the dog owner’s own relatives, friends and neighbors. As a dog owner, having insurance means protecting the people who are closest to you, which allows you to protect valuable relationships and ensure their proper care and treatment when they become unexpected targets.
Certainly your pet’s intentions were not malicious, especially to someone they are often familiar with. Usually it is a matter of timing, either approaching the animal while it is eating, or moving in such a way that startles or alarms the dog.
Homeowners and renters insurance policies normally provide benefits for dog bite victims, but this may also cause an increase in premiums. You should consider getting a separate Florida covered canine policy for dog bites that won’t impact your home insurance policy.
Also, other policies may exclude injuries caused by certain breeds of dog. Furthermore, there are policies that provide inadequate coverage, such as mobile home policies, which cover liability for dog bites but only up to $25,000 of the losses (meaning that the dog owner would have to pay anything over the policy limit of $25,000).
With a Florida Covered Canine Policy, you have more options available to you in terms of the type of dogs you can cover and coverage amounts.