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Equine mortality insurance varies from state to state and even varies with different breeds of horses. For those who don't know this is just life insurance on a horse. It's been a few years since I have written this type of coverage but I remember the rates on Tennessee Walking Horses being 1.5% of the amount of insurance. At times some companies refuse to write certain breeds due to unscrupulous people actually killing horses to collect the insurance. The best thing to do is to look in to look in trade magazines for independent insurance agencies that more or less specialize in this type of coverage. If there are magazine dedicated to your particular breed of horse you should find several advertising. Good Luck.
As a matter of full disclosure, I own and operate a smalltown Independent Insurance Agency in Central Georgia and have for 23 years. I also worked as an agent for a direct writer for 3 years prior to that.
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