This message is from: [EMAIL PROTECTED] In response to the foaling question. In my opinion, vet's are pretty darn accurate with ultrasound, so I would use their date. Mares foaling in the earlier part of the year go longer than average (340 days) and mares in the summer go shorter than average. Of course, there is always an exception! This year we are using the CHEMetrics milk test strips http://www.chemetrics.com/visprods/foalwatch.htm. They come highly recommended from other breeders. The problem with the "laying down device" is that all my Fjords lay down and snore every day. I don't think I'd like to check them every time they are cutting some ZZZs.
On the insurance question, the question was regarding agents and not insurance carriers. There are a handful of insurers writing horse mortality and liability policies. That's actually good because it's a specialty market. A good agent will shop among various carriers to get you the best quote. And premium rates will vary depending on what state you live in, what you are trying to insure and what carriers are writing in your state. Some states, like WV at the moment, are terribly difficult to get any liability coverage in because of the state regulation. I've never used the Fry Agency, but I have heard good things about them. If they have gotten you a quote that provides the coverage you want with a quality carrier, then go for it! My CGL premiums have been going down for the last two years even though we are increasing the variety and level of our activities. Margaret A. Bogie Ironwood Farm Rixeyville, VA http://www.ironwood-farm.com ***Fjords for Sale: 2003 Gray and Brown Dun geldings, 2005 Red Dun Colt***
