Money-Saving Payment Option

At times, we suggest considering this money-saving payment option when buying a horse or foal from us.
We offer this opportunity mainly on the more costly horses/foals we have for sale.

We are always trying to think of ways to make a buying process smoother and more comfortable for a horse's new owners. When we hear about troublesome events that people have encountered when buying/selling or just owning horses, we try to change our sales procedures to protect both the buyers and also ourselves, therefore providing everyone a higher comfort level.

If you pay in full up front for some horses/foals we have for sale, we may offer a discounted price (depending upon the individual horse and its value).

We highly recommend that you take this money savings and obtain insurance (very inexpensive!) to cover your investment until the horse/foal is at your home, or even keep the coverage permanently if you desire.

How Does This Help YOU?

1. If you have mortality insurance on the horse/foal you buy from us, YOU would receive full payment back from the insurance company in the event that the horse/foal would have a mortal accident or injury prior to it leaving us, or any time during the policy if you don't cancel it. That is a big comfort for you!  If you currently have horses, you know how prone they are (especially foals) to accidents and illness, plus acts of God that can't be prevented. It's nice to have financial protection.

2. You will pay so much less for your horse/foal that even after paying for insurance, you will still have saved a lot of money!

3. In addition, you will have insurance on your new horse while it is in its most stressful time...changing from our home to yours, from our feed to yours, etc.

4. After your new horse is home and settled in, you can cancel your insurance policy and receive a refund (from the insurance company) for all the months of coverage left in the year-long policy if you no longer desire coverage. Because of this, you actually would only pay for the months the horse was with us, and for the time after it leaves us that you decide to continue the coverage.

5. Even if you choose to keep your insurance coverage in effect, you will have saved money because the price difference supports the full year of insurance premium...offering you comfort as well as a cost savings.

Hypothetical Example of the Savings

Let's pretend that you buy a $4000 horse or foal from us, paying in full and buying your own insurance. As an example, we'll presume this horse/foal was $4500 if not paid in full (deposit paid with remainder paid 3 months later).

See the table below for a hypothetical example of how much you can save, while also having the comfort of insurance coverage.

How Do You Take Advantage Of This Idea?

1. Pay for the horse in full, rather than just sending a deposit.

2. Contact an insurance company to apply for coverage. Some insurers let you apply for coverage online, and others require a form to be filled out and mailed or faxed to them with payment. Examples of insurers you might check into include:
   www.eqgroup.com      Allen Financial
   www.horseinsurance.com      Markel Insurance
   www.horse-insurance.com      Horse Insurance, Inc.
   www.hallmarkhorse.com      Hallmark Horse Insurance
   www.allamericanhorseinsurance.com      All American Horse Insurance
   www.agririsk.com      AgriRisk
   Many others...do a search in Google or MSN, etc. for "horse insurance" or "equine insurance"

Each insurance company has slightly different rates and coverages, but most seem to charge about 3 to 3.5% of the horse's value for a full year of coverage.

Will We Force You To Get Insurance Coverage?

No. So in reality, you can take advantage of the lower price, and not pay for insurance coverage. But since it's so inexpensive, it's VERY worth having the coverage!