Horse Insurance in Tennessee: Coverage for Tennessee Horse Owners

Tennessee is home to approximately 244,000 horses and one of the most distinctive equine industries in the United States. The Tennessee Walking Horse, one of America's most recognized breeds, was developed in the state and remains a cultural institution, with the Tennessee Walking Horse National Celebration in Shelbyville drawing thousands of competitors and spectators every year.

Beyond the Walking Horse, Tennessee has significant Quarter Horse, Thoroughbred, and pleasure horse populations, along with a strong cattle and livestock industry across Middle and East Tennessee. Remuda Insurance Group provides equine insurance, livestock and farm coverage, and equine liability insurance across all of Tennessee.

How Much Does Horse Insurance Cost in Tennessee?

Full mortality insurance for most Tennessee horses runs 2.9%–3.6% of insured value per year. Full breakdown: how much horse insurance costs.

What Coverage Do Tennessee Horse Owners Need?

Equine Mortality and Major Medical

Mortality insurance pays the insured value if your horse dies from a covered cause. Major medical adds vet bill coverage for diagnostics, hospitalization, and surgery. For Tennessee horses competing on the show circuit or used for breeding, both coverages are strongly recommended.

Most mortality policies include a free Emergency Colic Surgery endorsement, stacked with major medical, total colic coverage reaches $15,000. Full explanation: does horse insurance cover colic surgery?

Tennessee Walking Horse Coverage

Tennessee Walking Horses competing at the Celebration or on the plantation circuit can represent significant financial investments. Individual mortality policies can be structured around the horse's show record and insured value. Loss of use coverage is available for show horses if a career-ending injury prevents them from their insured use.

Equine Liability Insurance

Tennessee has equine activity liability statutes, but they do not eliminate all personal liability for horse owners. Personal horse owner liability insurance covers your personal liability for horse-related incidents on and off your property, at shows, trail rides, the Celebration, and any Tennessee event your horse attends. Starts at $150–$400 per year.

Farm and Livestock Coverage

Remuda Insurance Group's farm and ranch insurance covers Tennessee cattle and livestock operations, horse farm property, barn and stable coverage, and farm liability across all 95 Tennessee counties.

Tennessee-Specific Coverage Considerations

The Tennessee Walking Horse National Celebration

The Celebration in Shelbyville is one of the most prestigious horse shows in the country. Horses competing at or traveling to the Celebration need mortality and major medical coverage that follows them during transport and at the event. Equine liability covers you as owner throughout the competition season.

Trail Riding in Tennessee

Tennessee's horse trail system, including trails in the Cherokee National Forest, Land Between the Lakes, and Natchez Trace, is one of the most popular in the Southeast. Trail horses face off-premises risks including rough terrain, wildlife encounters, and hauling accidents. Equine liability covers your horse on any Tennessee trail.

Tornado and Severe Weather Risk

Middle Tennessee sits in a high-frequency tornado zone. Severe storms and tornadoes are real risks for barn and stable operations. Farm and ranch property insurance covers damage from severe weather events. Review your policy with your agent before storm season.

Frequently Asked Questions

Does horse insurance cover Tennessee Walking Horses at shows?

Yes. Equine mortality and major medical coverage follows your horse to shows, the Celebration, and any Tennessee event. Equine liability covers your personal liability as horse owner throughout the show season.

Can I insure a Tennessee Walking Horse that is actively showing?

Yes. Show Walking Horses can be individually underwritten based on show record and insured value. Loss of use coverage is available for horses whose show career could be ended by injury.

Which Tennessee cities and counties do you serve?

We write equine and livestock policies across all of Tennessee, including Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Shelbyville, Franklin, and all surrounding counties.