Llama Insurance?

[nontyp]

Anyone ever rent or borrow llamas and get independent insurance to cover the animals? Planning to use a friend’s pack llamas this Fall. He says not to worry about it, but ultimately it would be a bad situation if something happened to them. Just wondering if there’s some sort of simple insurance product for something like this?

 

[MTGomer]

I would love to hear this conversation with whatever Allstate or progressive or State Farm agent answers the phone when you call their generic number

 

[WyoCoalMiner]

Flo would insure that llama in a heartbeat.

 

[ccc23454]

Call liberty, if they insure a Emu they surely would insure a Llama

 

[thomas89]

I thought I was a worry wart.

 

[Exhausted]

Agree on a number with your buddy up front and let him hold onto the cash until you get back. "Hey, I'd like to put a damage deposit down just in case. How about I give you $1,000 up front and if anything happens, that's yours to keep. If there are no issues you give me the $1,000 back when I get back?"

 

[tim629]

i know with other livestock insurance actually isn't too bad, i've had short term policies on show calves bought from a sale and then have medical on 2 of our horses currently. you might just buy him a yearly accidental death policy on the lamas you're borrowing and call that a nice sleep easy policy for the trip and a bonus for him for the rest of the year

 

[SerialScience]

I've not but typically the "replacement" cost for a llama wasn't insane. I want to say average price was like $5k, definitely not something you want to have happen but not a threshold where I'm going to jump through hoops to find insurance.

 

[Wyoming270]

I've not but typically the "replacement" cost for a llama wasn't insane. I want to say average price was like $5k, definitely not something you want to have happen but not a threshold where I'm going to jump through hoops to find insurance.

5k for a llama????
Thats more than a beef cow butchered!

 

[mevertsen]

5k for a llama????
Thats more than a beef cow butchered!

10 second google search.

5K would be a good deal.

Don't ever look at a pack mule if youre laughing at 5k for a trained llama.

as to @nontyp

I say look into the insurance at least, unless you have the ability to fork over that much at least.

Seems reasonable to me.

 

[406dn]

With all due respect to Wyonna, that is the asking price. There may or may not be a buyer, at that price.

Recently I was at a horse auction. Actually even went down a couple of days earlier, just because I like horses. I struck up a conversation with an older gentleman, as his adult daughter was riding a horse in the arena.

At some point he asked me what I thought the horse might bring at auction. I told him that it might go for between $4-6k. He told me that they were hoping it might bring $10k. The day of the auction, the bidding stopped at $6k. They did a no sale.

I do not see how an animal that can only pack, and can't be ridden is ever going to be worth all that much.

If I was borrowing the llamas, before I accepted the offer, I'd agree to make my friend whole, if I lost or severely injured one of his animals.

 

[SerialScience]

Here are the exact numbers...

Fossil Ridge

Wilderness Ridge

 

[MTGamecock]

That helicopter charter is looking better and better.

 

[Wyoming270]

With all due respect to Wyonna, that is the asking price. There may or may not be a buyer, at that price.

Recently I was at a horse auction. Actually even went down a couple of days earlier, just because I like horses. I struck up a conversation with an older gentleman, as his adult daughter was riding a horse in the arena.

At some point he asked me what I thought the horse might bring at auction. I told him that it might go for between $4-6k. He told me that they were hoping it might bring $10k. The day of the auction, the bidding stopped at $6k. They did a no sale.

I do not see how an animal that can only pack, and can't be ridden is ever going to be worth all that much.

If I was borrowing the llamas, before I accepted the offer, I'd agree to make my friend whole, if I lost or severely injured one of his animals.

Classic example of market value does not equal every cent they put into it.

 

[nontyp]

Here are the exact numbers...

Fossil Ridge
View attachment 412421
Wilderness Ridge
View attachment 412422

yep and im taking 4 prime age male pack llamas. I am probably worrying too much, but i don’t want to be in a position of owing a good friend $30k. That’s why i think a reasonable insurance option would be a good piece of mind investment.

 

[Jonas]

My opinion !
I’d definitely look into it rather than just relying on don’t worry about it Even with a trusted friend, accidents happen, and livestock can be expensive and emotionally important.You might check with specialty livestock insurers or equine/farm insurance providers some offer short-term coverage, liability coverage, or coverage for borrowed animals. Your friend may also want to check whether his existing policy covers temporary use by othersA written agreement between you both is also a good idea, covering responsibility, care, veterinary costs, and what happens if an injury or loss occurs. It’s much easier to sort things out beforehand than after an accident