Buying a horse is a big commitment in both time and money. The emotional energy spent is a large factor as well. You must consider Equine Liability Insurance before making the very important investment.  The MVR Insurance Agency provides Equine Liability Coverage for Horse Mortality, Health & Wellness, Boarding Liability, Bodily Injury, Fire, and much, much more – all under one policy.

But even before you get insurance for your horse, its important to get the right horse before for you or you run the risk of coming home with one that isn’t suitable for you. At the worst, he could be dangerous and at best, you could easily spend a thousand dollars or more to get professional trainer to correct the problems.

Make a plan before you look at horses for sale and do these 10 basic steps first.

1. Take riding lessons for at least six months.

Horse riding lessons will teach you the basics of control and the foundation for correct horsemanship. In addition to learning to ride a horse, you’ll also learn how to safely groom and handle one. You’ll establish a relationship with a professional horse person in your area who knows you and who you can turn to for help if you need it.

2. Decide on the type of riding you want to do.

There are many types of horse riding styles. The most basic are Western or English. Then you can break down those two styles into many subcategories. You don’t have to make one choice exclusive of all others. Many people enjoy riding both styles and compete in both.

Decide if you want a horse to trail ride and just enjoy having him or if you want to be competitive and show.

3. Horse’s personality

The type of personality you want for your horse depends a lot on the type of riding you want to do and also your personality. Some riders want a horse with a big engine and a lot of fire. Others like a horse to be quiet and laid back. 

It’s usually easier to get the laid back one to rev his engine than to get a hot horse to relax. 

4. Decide on what breed of horse you most want. 

Once you’ve decided on the type of riding you’re interested in and the type of personality you want your horse to have, the breed choice will become easier. Some breeds are associated with certain types of riding. For instance, a Thoroughbred or Warmblood breed are usually thought of for the Hunter/Jumper circuit or dressage. In the past, the Quarter Horse, Appaloosas and Paints were thought of for Western riding. Today, these breeds can successfully compete at all levels with the more traditional hunter type horse. 

If you want a very smooth ride, look at the gated breeds such as Missouri Fox-trotters, Tennessee Walkers or Paso Finos.

5. Decide on how big a horse you need. 

If you’re looking for a horse for a child, buy a pony that your child can groom and handle now. A too big horse is intimidating for a young child to deal with.

Image: Moyan Brenn | Flickr