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 you home, and associated outbuildings and stables, all under one policy.
Tack Covered 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 and/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, electronic and most importantly 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 onto 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 you 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. With insurance available to cover the stable buildings, and equipment housed within them, for fire, theft, malicious damage, flood and storm, the costs to replace would far out weight the costs to insure.
Homes of non-standard construction, or of a specialist nature will often require specialist insurance, such as thatched buildings and listed properties.
Specialist High Net Worth Insurance is also available, designed to protect homes and possessions of a higher value, giving you the protection where you need it most.
Ready to discuss your customisable and comprehensive insurance options? Call Shearwater Insurance's equine team to chat to an experienced advisor who understands the unique requirements of horse owners. 01992 707318