Business Details
19 Years
experience
Emergency
services
Your Trusted Partner for Equine Insurance Solutions
Star H Equine Insurance was founded by seasoned horse professionals with over 45 years of combined insurance expertise. Our agency specializes in tailored equine insurance solutions, including mortality, major medical, and liability coverage, serving clients nationwide since 2007. We pride ourselves on deep industry knowledge, personalized service, and a commitment to understanding the unique needs of horse owners and equine businesses. Our team, led by Lucinda Human, brings decades of hands-on equestrian experience to every policy.We maintain strong relationships with top insurers to deliver competitive rates and comprehensive protection. Our seamless transition following founder Butch Human's passing in 2021 reflects our enduring dedication to client care and industry excellence. We operate with transparency, ensuring clients fully understand their coverage options and policy details.
Services
Equine Mortality Insurance
Major Medical Coverage
Commercial Liability
Farm Owners Policy
Surgical Expense Insurance
Loss of Use Protection
Stallion Infertility Coverage
Care Custody Liability
Horse Show Insurance
Therapeutic Riding Coverage
Details
- Year established: 2007
Highlights and features
- We offer over 45 years of equine insurance expertise.
- Our team provides personalized insurance solutions tailored to your equine needs.
- We maintain licensing in all states except Alaska, Hawaii, and South Dakota.
- Our staff includes certified insurance specialists with equestrian experience.
- We offer 24/7 online premium payment capabilities.
What people say
Polite, professional, extremely helpful
Response time is AMAZING
Caring horse people
Great experiences
Not just a policy number
Services
Equine Full Mortality
This comprehensive coverage protects against financial loss from horse death due to accident, sickness, disease, humane destruction, or theft. Policies pay up to the insured value, providing critical protection for valuable equine assets. Our specialists help determine appropriate coverage levels based on individual needs and horse value.
Major Medical Insurance
After a $250$325 deductible, this policy covers veterinary expenses up to $5,000 or $12,500 per claim. It addresses common equine health issues while offering flexible limits to match different budget requirements and medical needs.
Commercial Equine Liability
This essential coverage protects equine businesses from claims of bodily injury or property damage arising from their operations. It's specifically designed for commercial horse activities, addressing unique risks associated with equine enterprises and events.
Farm Owners Policy
Comprehensive protection for horse farms includes coverage for homes, barns, equipment, and tack. This policy combines property protection with liability coverage tailored to the specific needs of equine property owners.
Care Custody Liability
This specialized coverage protects businesses holding client horses in their care. It addresses liability for injury, death, or theft of horses while under professional supervision, crucial for boarding facilities and training operations.
People
Lucinda Human
Co-Owner
With over 45 years of equestrian experience, Lucinda holds the Agribusiness and Farm Insurance Specialist designation. A former competitive rider, she transitioned from showing hunters to reining horses, achieving multiple world championships.
Cathy Boles
Director of Liability Services
Certified Insurance Service Representative with extensive farm insurance expertise. Cathy brings decades of experience in agricultural risk management and holds both CISR and AFIS designations.
Allison Trottier
Mortality and Major Medical Specialist
Former equestrian team captain with deep knowledge of equine health insurance. Allison combines riding experience with insurance expertise to help clients navigate mortality and medical coverage options.
Jackie Grubbs
Mortality and Major Medical Specialist
Lifelong horsewoman with extensive experience in equine insurance. Jackie's background in eyecare industry customer service translates to exceptional client support in insurance matters.
Butch Human
Co-Founder
45-year insurance veteran and decorated Marine Corps Colonel. Butch established Star H Equine Insurance after selling his previous equine insurance agency. He passed away in 2021 but left a lasting legacy in equine insurance.
Questions
What types of equine insurance do you offer?
We provide mortality, major medical, surgical expenses, liability, and farm owners policies tailored to horse owners and equine businesses.
How do I file a claim?
Contact your policy's toll-free claims number or reach out to our office during business hours for immediate assistance with the claims process.
Are you licensed in all states?
We're licensed in all states except Alaska, Hawaii, and South Dakota, serving clients nationwide with equine-specific coverage.
Can I pay premiums online?
Yes, we offer secure 24/7 online payment options for premium payments through our website portal.
What sets you apart from other equine insurers?
Our team combines decades of insurance experience with hands-on equestrian expertise, providing personalized solutions from fellow horse professionals.
Do you offer liability coverage for horse shows?
Yes, we provide specialized liability insurance for horse shows, clinics, and short-term equine events.
Reviews (4)
Vicki Autry
Mar 14, 2022
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Star H went to bat for me! That tricky time when your policy is renewing and you really need it! The folks at Star H put their detective hats on and turned a denied claim into a granted claim! I can't thank them enough! I was a difficult client and they kept reassuring me they would do whatever they could to help me! Thank you to everyone involved and also AEIG for taking another look!
Diana Hoberecht
Jul 14, 2021
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Super great experience with them. Always available for questions and concerns and super fast in responding to them. VERY satisfied.
Leigh Pound
Jul 07, 2021
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Five years and three horses, I cannot say enough good about this company. We, unfortunately, had to file a claim for one of our horses and they could not have been more helpful. Answer all my questions quickly and I never feel like I am a bother. Highly recommend.
Matt Case
Jul 04, 2021
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We use Star H for multiple policies and have found them to be extremely responsive, helpful and professional. And we have a unique business -- equine assisted psychotherapy, yoga, riding -- so we were glad to find they could help.
