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[RC] Newbie here - Ibiteraaarr

To everyone at Endurance.net and Ridecamp,
First of all a great big thank you! For several months now I have been lurking 
and reading and absorbing everything I could and only this weekend did I build 
up the guts to sign up and make a post.
Without boring everyone, in a nutshell I started riding when I was 10 (I'm now 
24) on saddlebreds doing country pleasure and gaited classes. I haven't done 
any competing in ages, and even so that was largely short lived. Admittedly I 
had neither the funds or the interest to continue showing in that discipline. 
Earlier this year while saddle shopping I stumbled over an endurance saddle, 
and took to researching it. I'd love to try my hand at it. I have a 4 year old 
half-Arabian, half-Saddlebred(Commander) who I've been conditioning for several 
months now. We're taking our time with it, but I'd like to have him in a few LD 
rides by this fall (if memory serves 4 year olds can enter the 25 milers, 
someone please correct me if I'm wrong).

My question is about insurance regarding endurance riding. My sister and I have 
our two horses on a friend's property, with private horse owner's liability. 
All the riding we've done and horses we'd owned prior to this were at the 
riding stables we'd been attending since we started so it was never an issue. 
Is it necessary to up my insurance to something that will cover more if and 
when we begin traveling to rides? I thought I'd check with everyone here first 
before inquiring at my insurance company. I like my company, but I didn't want 
to give them an oppurtunity to pull one over on dumb, unsuspecting me ;)  

Many thanks to everyone!
Regards,
Liz and Commander
Newbie
New Orleans, LA


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