TXINS October E-News: Saddle Up with Equine Insurance, Ask the Agent, Agency Happenings, Texas Trivia Contest, Benefits of a Trusted Choice Independent Agency, and More!

Saddle Up with Equine Insurance

While horses are very beautiful and strong, they are also fragile and unpredictable. If your horse colicked tomorrow and needed emergency surgery, could you afford it? If he died suddenly, could you afford to replace him? What if he got loose at a show and injured a spectator, who then sued you to pay for her medical expenses? It’s a very good idea to protect your finances with equine insurance.

What is Equine Liability Insurance?
Horse ownership can be a complicated business. It’s very important to manage your risks on your horse farm, as well as for your business operations. When it comes to any business, the first thing you want to do is protect yourself from the potentially high cost of liability claims. Particularly when you are working with animals like horses that are interacting with people and property.

Most general farm and homeowners insurance policies do not include commercial equine liability insurance. Some horse insurance companies may offer it as an option to add to your farm policy. Other companies might not have that option, and you’ll have to explore purchasing a separate commercial equine liability policy.

Commercial equine liability insurance is designed for those who work with horses on premises they rent or own. It is an ideal coverage choice for those that provide riding lessons or board horses, as well as those who race, breed or train horses. This coverage also protects commercial enterprises that stage clinics, horse shows or equestrian events, sell horses, rent horses for recreational activities, or provide team roping or penning practices.

What is Equine Mortality Insurance?
You have invested a lot of time, money and resources into your horse. No matter if your horse is a show horse, a race horse, a work horse, or a horse you use as a breeder, you need a qualified equine insurance specialist to help you protect your investment. Adequate equine health insurance protection for any of the accidents, injuries, sicknesses, or diseases your horse may face is an important purchase for anyone working in the equine world.

Equine mortality insurance can cover a range of insurance options, including:

  • Equine or horse mortality insurance: This insurance covers a broad range of perils that could lead to the death of your horse. Accidents, injury, sickness, disease and even theft are typically included. There is also a limited coverage that lists specific incidents, such as weather events, fire, drowning, or death during transport that can also be underwritten.
  • Major medical expense: This covers the horse if it requires veterinary medical care or surgery as a result of accidents, injury, sickness, or disease.
  • Surgical expense: Equine surgeries are expensive and this coverage provides for money towards surgery up to a certain limit.
  • Loss of use: A horse that is not fit for its first use as defined in the policy because of accident, injury, sickness, or death can be covered so that you don’t sustain major financial losses.
  • Stallion infertility: A stallion that cannot provide stud service as a result of impotence, infertility, sickness, disease, accident or injury can be a big disappointment to any breeding program, as well as an expensive loss.  This insurance option helps cover you if a stallion in your breeding program does not produce as planned.

How Much Does Horse Insurance Cost?
There are many variables when it comes to insuring your horse or horse operation. Your horse insurance cost will vary depending on the type and extent of your coverage. When you insure a horse, it is important that you work with an equine insurance specialist who understands and has access to all the different kinds of policies available ranging from horse boarding insurance to racehorse insurance.

We Are Here for You 

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority. That’s a promise.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. Together, we will ensure you are protecting what matters most.

Freedom :30

TXINS is proud to be a Trusted Choice Independent Insurance Agency. Whether searching for Personal or Business insurance, our independent agents are free to shop multiple providers on your behalf. More freedom means more options and more savings.

We are dedicated to you and are committed to treating you as a person, not a policy.
You have our word on that.

The employees of TXINS are active members in our communities. Here’s a quick list of what we’ve been up to as well as what we have planned for the month.

  • Crop agent and expecting mom Kirby Wrobliski was given a baby shower by the ladies of the agency on September 3  at the El Campo Country Club. We are all anxiously awaiting Baby Jordan’s arrival!
  • Al Ford will be attending the Texas Beekeepers Association Convention in Belton, TX on Oct. 29 – 30. Al has been involved with the beekeepers since 1999 and is looking forward to seeing familiar faces and meeting new ones. Please stop by our booth to learn more about what TXINS can offer to protect your beekeeping business.
  • Our staff in the Needville office will be attending the Central Fort Bend Chamber Business Expo on Oct. 20 at the Rosenburg Civic Center. Make time to stop by our booth and meet our agents.
  • Personal Lines Department staff members Nancy, Lindsey, and Celeste along with Mr. Sorrel and Kara will be attending the 2015 Hochheim Prairie Annual Convention in San Antonio Oct. 11-12. This is a wonderful opportunity to not only learn about any upcoming changes or updates for the company but to attend educational classes and help strengthen relationships with the underwriters.
  • Congrats to our September Texas Pride Trivia Contest winners: Troy Malek, Zach Zapalac, and Wayne Allen. Don’t miss your chance to win a Texas flag…check out the trivia question below!

Several staff members enjoyed a wonderful night supporting the El Campo Boys & Girls Club Country Ball on Sept. 10.  Representing TXINS were Hector Gutierrez, Dina Vajdos, Bebo Bogan, Cindy Robinson, Lindsey Malek, Celeste Clark, and Brooke Marcaurele.

One of my neighbors recently had a house fire that severely damaged her home. It is being rebuilt but she and her family have to move to a hotel for a couple of months while it is under construction. If this happened to me, what would be covered and what wouldn’t?  – Thomas R, Simonton, TX

Dear Thomas:

A house fire is a scary thing and we hope your neighbor is okay. Possessions can be replaced…people cannot.

Under a typical homeowners policy, there is a coverage called Loss of Use. Loss of Use coverage is one of the most important features of your homeowner’s insurance policy. It is also referred to as “additional living expense” coverage. You become entitled to benefits under this coverage when:

  • Your home is damaged to the extent that it becomes uninhabitable as a result of an insured peril, such as damage caused by fire, windstorm or lightning, or
  • You are ordered to evacuate your home by a lawful authority, such as the fire department, the sheriff’s office or a disaster response team

Typically, standard Loss of Use coverage will pay or reimburse you for any additional living expenses you incur for the period of time that it takes to repair or rebuild your residence or to relocate. For example, the following types of expenses are covered:

  • Temporary housing including leased premises or motels
  • Meals where the costs exceed the amount you would normally pay if you were living in your residence
  • Moving costs and temporary storage of household or personal items
  • Laundry and dry cleaning expenses
  • Parking fees

After a fire there will likely be debris that needs to be removed. Coverage for this is usually limited to 25% of the loss. The amounts paid for debris removal do not increase the total limit of coverage for the whole claim. It is therefore possible that you can run out of coverage. To help, insurers provide an additional amount of Debris Removal coverage (usually $10,000) to pay for the cleanup.

Homeowners can qualify for discounts ranging from 2-10% for having fire extinguishers, smoke detectors, and smoke alarms (local and central) installed in the home. Plus, these devices make you aware of trouble faster so you can get out of the house and call for help.

Talk with your TXINS agent to make sure you have the proper coverage in place in case of loss. The last thing you want to hear after suffering a fire is that you didn’t enough coverage in place to get back on your feet and into your home quickly.


Do you have a question for our agents? Email it to us! If we choose your question, we’ll send you a thank you gift! Be sure to include your mailing address and phone number in your email.

You Learn Something New Every Day
– On October 31, 1864, Nevada became the 36th state in the United States. Nevada’s flag bears the words “Battle Born” alluding to the fact it became a state during the Civil War.

– Fingernails grow slower in colder weather because your circulation slows down when the temperature drops.

– Four out of five people over the age of 100 are women. Ms. Susannah Mushatt Jones is currently the world’s oldest living person. She was born on July 6, 1899, making her 116 years young!

– October is National Pizza Month, National Cookie Month, National Chili Month, and National Seafood Month! Here’s to a month-long celebration of all things yummy! Check out Southern Living’s all-time favorite dessert recipes and let us know which one you like the most!

Simple Costumes for Halloween Fun
This year Halloween falls on a Saturday and many will be invited to a chillingly fun costume party to celebrate. Don’t stress out! Here are some spook-tacular costumes sure to please!

Bag of Jelly Beans: Get a clear trash bag, cut holes for your arms and legs to fit through. Fill up the bag with colored balloons for the jellybeans, and tie up the trash bag near your neck with a ribbon. Just be careful when you sit down!

Rosie the Riveter: Get a long-sleeved denim or blue top, and roll the sleeves past the elbow. Pair it with jeans. Put your hair up and tie a red bandana around your head. Pouf up your bangs and apply 1940s makeup.

Fortune Teller: Get a head scarf, sparkly top, long skirt, and a shawl to drape over your shoulders. Wear lots of gold and flashy jewelry.

Home Improvement’s Wilson: Use popsicle sticks to make the fence. Wear a beige floppy hat and brown plaid shirt. This is a great throwback to one of the 90’s most popular TV shows.

Do you have a fun and easy costume idea? Share it with us on our Facebook page!

We LOVE Referrals!

Congrats to Diane Frazier of Georgetown, TX, our September Referral Program drawing winner! Thanks for your referrals Diane! Good luck in our end of the year drawing happening in December!

If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly $50 gift card drawing and our annual Grand Prize drawing for a $1,500 gift card!!!

(Grand Prize drawing will be held on December 3, 2015.)

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