Your first competition of the season is usually a happy event. But discovering that a thief made has made off with your expensive equipment saps the joy right out of it. Fortunately, insurance coverage is available to help owners recoup the investments they’ve made whether they’re at home on the show circuit.

What to Insure

Protecting pricey tack begins with deciding what to insure and for how much, said Brittany Kochiss. CPIA, of Daigle & Travers Insurance, in Darien, Connecticut.

“When looking at insuring individual items it’s a personal preference but, when you are spending $500 or more on anything horse related, including custom riding boots or bridles, I would recommend looking into insuring them,” she said. “With high-end-quality saddles easily cost $5,000 or more, I strongly recommend covering at least your saddle.”

Peruse Policies

Kochiss said tack is generally covered under the owner’s homeowners’ insurance policy. Policy holders can schedule—or itemize—the saddles, bridle, show halters, or other items covered, or they can choose blanket coverage, which insures the total value of all tack and horse-related items with a per-item limit