Horse Insurance in Florida: What Florida Horse Owners Need to Know

Florida is one of the most active horse states in the country. With an estimated 500,000 horses and over 6,000 horse farms, Florida ranks among the top five states nationally for horse population. The state is a major hub for Thoroughbred racing, polo, show jumping, and equestrian sport, and Ocala has earned its own reputation as a Horse Capital of the World for its concentration of Thoroughbred training and breeding facilities.

From the horse farms of Marion County to the polo fields of Wellington and the trail horses of the Panhandle, Remuda Insurance Group provides equine insurance, livestock and farm coverage, and equine liability insurance across all of Florida.

How Much Does Horse Insurance Cost in Florida?

Full mortality insurance for most Florida horses runs 2.9%–3.6% of insured value per year. For a full breakdown, see our guide on how much horse insurance costs.

What Coverage Do Florida Horse Owners Need?

Equine Mortality and Major Medical

Mortality insurance pays the insured value if your horse dies from illness, accident, or injury. Major medical adds vet bill coverage, essential for horses competing on the winter circuit or training year-round.

Most mortality policies include a free Emergency Colic Surgery endorsement. Stacked with major medical, total colic protection could reach $15,000. Full details: does horse insurance cover colic surgery?

Equine Liability Insurance

Florida's equine liability statute provides some protections, but does not eliminate personal liability. Personal horse owner liability insurance covers bodily injury and property damage caused by your horse at shows, trail rides, polo matches, and any Florida event. Starts at $150–$400 per year.

Hurricane and Weather Risk

Florida horse owners face weather risks most states do not. Hurricanes, tropical storms, and severe flooding can damage barns, stables, and farm infrastructure. Farm and ranch property insurance covers barn and stable damage from covered weather events. Livestock mortality covers animals lost to covered weather-related incidents.

Farm and Ranch Coverage

Remuda Insurance Group's farm and ranch insurance covers Florida horse farms, cattle operations, barn and stable property, farm equipment, and farm liability. Whether you operate a small hobby farm in Alachua County or a commercial operation in Okeechobee, we write policies that fit your operation.

Florida-Specific Coverage Considerations

Wellington and the Winter Equestrian Circuit

Wellington is one of the most active show jumping markets in the world during the winter circuit season. Horses competing at the Winter Equestrian Festival need mortality coverage, major medical, and equine liability that follows them throughout the competition season and across state lines.

Ocala Thoroughbred Training Operations

Ocala's concentration of Thoroughbred training facilities means many horses are in active race training year-round. Commercial equine insurance covers boarding and training operations, Care Custody and Control (CCC) for trainers, and professional liability for equine professionals.

Polo Operations

Polo horses face elevated injury risk from the nature of the sport. Full mortality and major medical coverage is recommended for all polo horses. Commercial equine liability covers polo clubs and their members during matches and practice sessions.

Frequently Asked Questions

Does horse insurance in Florida cover hurricane damage?

Equine mortality can cover horses that die as a direct result of a covered weather event. Farm and ranch property insurance covers barn and infrastructure damage from hurricanes. Review your specific policy exclusions with your agent before storm season.

Is equine liability insurance required in Florida?

Florida's equine activity liability statute provides some protection but does not eliminate all liability. Horse owners whose animals cause injury or property damage can still face significant personal liability. Equine liability insurance is strongly recommended for all Florida horse owners.

Which Florida cities and counties do you serve?

We write equine and livestock policies across all of Florida, including Ocala, Wellington, Gainesville, Tampa, Orlando, Tallahassee, Jacksonville, Pensacola, and all surrounding areas.