On a new purchase you can insure your horse for the purchase price, plus directly related costs to the purchase, such as Tax, pre purchase exam, transportation, coach’s commission. If your horse is not a recent purchase but has been in training or competing, then your horse’s Actual cash market value may have increased. A higher value can be requested pending underwriting approval, by providing justification of value, show records, and/or other documentation to support the increase. Generally on a new insurance policy the insured can apply to insure for more than the purchase price within 6 to 12 months of ownership, depending on the reason for the increase.

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