Don’t be fooled – horses are risky

Regarding the April 18 story, “Bridgeton woman’s horses make insurance company skittish”:

Cordelia Ashton believes that it’s unfair for her insurance company to raise her rates because she keeps horses.

She’s wrong. As someone who owns a horse, I know that there is a risk involved in keeping one.

From kicking to cribbing (when a horse bites and pulls on objects, usually fences and stall doors), horses pose a certain risk to all property, animals and people within their range. If insurers don’t take every risk into account, they inevitably transfer some risks from people who take risks to those who don’t.

Failing to take risks into account is unfair to everyone.