Equine insurance · Texas
Equine insurance for Texas horse owners
A horse can be a significant investment and a liability exposure at the same time. We help private horse owners compare mortality, medical and liability options from multiple carriers, including specialty equine markets.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
The basics
What equine insurance is for
Equine insurance is a family of coverages rather than a single policy. Mortality insurance is the foundation. It generally pays if a covered horse dies or must be humanely euthanized for covered reasons, up to the insured value. Medical, surgical and loss-of-use coverages are often available as additions to a mortality policy.
Liability is a separate question. If your horse injures someone or damages property, a homeowners policy may limit or exclude coverage for horses and farm activities, especially if you board, breed or give lessons. Private horse owner liability coverage, or the right farm and ranch policy, can fill that gap.
We focus on privately owned horses, from family trail horses to show and performance horses. We’ll ask about each horse’s age, breed, use, value and veterinary history, then compare what different carriers offer. Commercial operations such as boarding stables or lesson barns usually need a commercial policy. Call us and we’ll talk through options.
What it covers
What equine coverage can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Mortality
Pays the insured value if a covered horse dies from a covered cause, often including theft.
Major medical and surgical
Help with veterinary costs for covered illness, injury or colic surgery, usually added to mortality coverage.
Loss of use
Some policies pay a portion of the insured value if a horse can no longer perform its intended use.
Horse owner liability
Claims if your horse injures someone or damages their property.
Care, custody or control
For people who keep or ride horses owned by others. Terms vary widely.
Barns, tack and equipment
Structures, saddles and equipment may be covered through a home, farm or inland marine policy.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Private horse owners on acreage in Katy, Fulshear, Cypress, Tomball, Magnolia, Waller and Montgomery County
- Owners of show, performance or competition horses
- Owners who board a horse at a stable and want their own coverage
- Families with ponies or trail horses who want liability reviewed
- Buyers adding a horse who want coverage in place from the start
Texas law to know
- Chapter 87 of the Texas Civil Practice and Remedies Code limits liability for injuries that result from the inherent risks of farm animal activities, including those involving horses.
- The law has exceptions, such as providing faulty tack you knew about, not making a reasonable effort to judge a rider’s ability, or a known hidden hazard on your land you didn’t warn about.
- Farm animal professionals and farm owners or lessees who conduct these activities must post a specific warning sign and include the warning in written contracts.
- Because of those exceptions, the statute is not a replacement for liability insurance. Talk with an attorney about how it applies to you.
Source: Texas Civil Practice and Remedies Code, Chapter 87. (opens in a new tab) Reviewed Oct 2026.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
What is equine mortality insurance?
It’s coverage that generally pays the insured value if a covered horse dies or must be humanely euthanized for covered reasons. Many policies also include theft. The insured value is usually based on purchase price, show record or other documentation. Coverage depends on your policy.
Does my homeowners policy cover my horse?
Usually not for the horse itself, and liability for horses may be limited or excluded, especially if there’s any business activity. We’ll review your current policy and point out any gaps.
Texas has an equine activity law. Do I still need liability coverage?
Chapter 87 limits liability for inherent risks of farm animal activities, but it has exceptions, and you can still be sued. Liability insurance can help pay for defense and covered claims. This isn’t legal advice; talk with an attorney about your situation.
Can I buy major medical without mortality?
Medical and surgical coverage is commonly offered as an addition to a mortality policy rather than on its own. Options vary by carrier.
What information do I need for a quote?
Each horse’s age, breed, use, value and purchase history, plus where it’s kept. Some carriers ask for a recent veterinary exam, especially for higher values or older horses.
Let’s talk about your horses.
Tell us how many horses you have, how you use them and where they’re kept. A licensed TexPro agent will compare options from multiple carriers and walk you through them.