Horse Insurance | Horse Insurance Quotes
Horse Insurance | Horse Insurance Quotes
This is one of the most common mistake I see people make in their horse purchase. They either do not know, or refuse to recognize the real cost associated with owning a horse. In this situation, over time the cost is too much and the buyer becomes a seller.
Ask yourself how much you can afford monthly to cover the cost of your horse. After you have a number in mind, figure out the cost in your area for the basic necessities for a horse. Depending on where you live the costs will vary.
Basic needs for a horse are: Shelter, Feed (grain and hay), Ferrier Needs, Veterinarian (annual shots and basic needs), Tack and Supplies (repair and replacement), Trailer Service and Insurance (if you own a trailer).
Shelter: Most horse owners have their own place, board, or lease. If you have your own facility, take into consideration upkeep. If you board or lease, know and understand all the costs associated with the agreement.
Feed: Feed requirements change seasonally, and costs will vary greatly based on your location. Be sure to include costs of grain, hay, supplements, salt and mineral blocks. Keep in mind that older horses may need a special feed such as a "Senior Product".
Farrier Needs: This will be determined by your horse's need for shoes. Another thing that can drive the costs of shoeing is special needs such as certain shoes, pads, etc... Be sure to check with your Ferrier on costs.
Veterinarian: Your basic costs are for annual shots and coggins. The vet costs go up sharply if you have a horse that needs medications, such as joint supplements, injections, etc.... This is why a "Vet Check" and the medical history is so important. The ongoing costs of a lame horse can be huge.
Tack and Supplies: This is an item that so many people overlook when planning for a horse. Realistically, there will be tack and supplies that will need to be repaired or replaced on a regular basis. This area can drive you $5 crazy if you are not careful.
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