Equine Insurance
Equine Insurance
Equine Insurance That Works as Hard as You Do
Whether you own a single beloved trail horse, manage a breeding operation, or run a full-service equestrian facility, your horses represent a significant financial and emotional investment. At Densmore Insurance Strategies, Inc., we know that one-size-fits-all coverage simply doesn’t cut it in the equine world. That’s why we work with a network of top-rated carriers to build customized insurance programs tailored to the specific needs of horse owners and equine professionals across Iowa and the surrounding region. From routine health events to catastrophic loss, we’re here to make sure you’re covered — and that you have a trusted advisor in your corner when it matters most.
- WHAT WE COVER
Equine Coverage Options
Mortality Insurance
Think of mortality coverage as life insurance for your horse. It provides a payout equal to the agreed insured value of your horse in the event of death due to accident, injury, illness, or disease — and most policies include theft coverage as well. Whether you're insuring a competition horse, a breeding stallion, or a cherished companion, mortality coverage is the foundation of any equine insurance program.
Major Medical & Surgical Coverage
Veterinary care can be costly, and unexpected health events don't wait for a convenient time. Major medical and surgical coverage helps offset the expenses associated with diagnostic testing, medical treatment, and surgical procedures resulting from accident, injury, illness, or disease. This coverage is typically added as an endorsement to a mortality policy and is one of the most valuable protections you can carry for a horse in active use.
Farm & Ranch Insurance
Your farm or ranch is more than just land—it's the foundation of your operation and livelihood. Farm & Ranch Insurance combines property and liability protection into one comprehensive policy, helping safeguard your home, barns, stables, outbuildings, fencing, livestock, feed, and farm equipment. Whether you own a small hobby farm or manage a working ranch, this coverage provides the protection you need without the hassle of maintaining multiple separate policies.
Colic Surgery Coverage
For horses that may no longer qualify for full major medical coverage due to age or pre-existing conditions, surgical-only coverage offers a practical alternative. It covers the cost of life-saving surgery resulting from a covered accident, illness, or disease — giving you meaningful protection without the broader (and often unavailable) major medical endorsement.
Transit & Shipping Insurance
Whether you're transporting horses to competitions, breeding facilities, sales, or a new home, unexpected incidents can occur while they're in transit. Transit & Shipping Insurance helps protect your horse against covered risks during transportation, including injury, illness, or death that may occur while traveling. This coverage provides added peace of mind whenever your horse is on the move, whether by road, air, or commercial carrier.
Private Horse Owner Liability
Even the most well-trained horse can behave unpredictably. Private Horse Owner Liability coverage helps protect you financially if your horse causes bodily injury to another person or damage to someone else's property. Whether you're riding, boarding, or simply caring for your horse, this coverage provides valuable liability protection and peace of mind against unexpected claims and legal expenses.
Equine Commercial Liability
Equine Commercial Liability Insurance provides essential protection for horse-related businesses. From boarding and training facilities to riding instructors and breeding operations, this coverage helps protect against covered claims involving third-party injuries, property damage, and legal expenses, allowing you to focus on running your business with confidence.
Equine Professional Services
Equine Professional Services coverage is designed for professionals who provide specialized equine expertise and guidance. It helps protect against covered claims related to professional advice, instruction, or services, giving trainers, instructors, and other equine professionals added confidence in their day-to-day operations.
Why Iowa's Equine Community Trusts Densmore
Independent. Working for You. As an independent agency, we’re not locked into a single carrier’s products or prices. We shop multiple top-rated insurance companies on your behalf to find the best combination of coverage, value, and service for your specific situation. You get more options — and a better outcome.
Equine Expertise You Can Count On: We understand that insuring horses isn’t like insuring a car or a house. The equine market has its own underwriting nuances, policy structures, and industry terminology. Our team takes the time to learn your operation, ask the right questions, and make sure your coverage actually reflects what you need — not just what’s easiest to place.
Personalized Service, Every Time: When you call Densmore, you get a real person who knows your account. We believe that quality relationships aren’t developed overnight, and we’re committed to being the kind of trusted advisor you can count on year after year — at renewal, after a claim, or any time your situation changes.
Local Roots, Broad Reach: We’re based right here in Bondurant, Iowa, and we’re proud to serve horse owners and equine businesses throughout the state and beyond. We understand the agricultural and rural landscape of the Midwest, and we bring that local knowledge to every conversation.
Claims Support When It Matters Most: Dealing with an injury, illness, or loss is stressful enough without navigating the claims process on your own. We’re here to advocate for you, guide you through the process, and make sure your claim is handled fairly and efficiently.
Contact Us
Ready to Protect Your Horses and Your Investment?
Don’t leave your horses — or your business — exposed. Whether you’re insuring one horse for the first time or looking to review coverage on an established operation, the team at Densmore Insurance Strategies is here to help you find the right fit.
Contact us today for a free consultation and personalized quote. We’ll take the time to understand your situation, walk you through your options, and make sure you have the coverage you need — nothing more, nothing less.
Phone
(515) 967-3390
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035