Your Horse, Our Priority

Equine Coverage made simple

Our Services

At Star H Equine Insurance, we understand that your horse is more than just an investment. With over 50 years insurance experience we are dedicated to helping you with your equine insurance needs. Providing equine mortality, with optional major medical and surgical coverages, our comprehensive insurance plans are designed to provide you with peace of mind and cover a wide variety of disciplines, from pleasure riding and trail riding to high-level competition, and breeding, knowing that you are prepared for the unexpected. Explore our services today and discover how we can help you safeguard your beloved companion while ensuring that your investment is protected for years to come.

Licensed in all states but Alaska, Hawaii, and South Dakota.

Competitive Quotes for

Full Mortality

Death due to accident, sickness, disease, humaine destruction and theft.

Limited Mortality

Death due to accidental causes such as fire, lightning, transportation, etc.

Loss of Use

If your horse becomes permanently unfit for its intended purpose due to injury or illness.

Major Medical

Medical and surgical expenses up to $5,000 or $12,500 per claim (after deductible)

Surgical Expenses

Pays for surgical expenses only, as a direct result of an injury or illness to save the life of your animal.

Stallion Infertility

Pays 100% of the mortality value if your breeding stallion becomes permanently unable to breed due to an injury or illness.

Star H Insurance

Star H Equine Insurance was founded by Butch and Lucinda (McIver) Human and is an insurance agency devoted solely to serving the insurance needs of the equine industry. Butch Human passed in 2021 after a brief battle with lung cancer.  As with the rest of Butch’s organized life, he had a succession plan in place passing the reins of Star H Equine Insurance to his wife, Lucinda, back in 2019 when he retired.  The transition in leadership has been seamless as Butch was able to mentor and supervise even after his “so called” retirement.  With confidence Star H Equine Insurance Agency continued the customer service that Butch instilled in us, his staff.  If you have any questions, please feel free to reach out to your agent, or anyone on staff at Star H. 

Our Team

Lucinda Human

Lucinda Human

About Lucinda

Besides handling the day to day duties of running the backside of the agency, Lucinda works with clients and prospective clients on their farm and liability insurance needs. She is a licensed insurance agent and holds the hard earned Agribusiness and Farm Insurance Specialist (AFIS) designation.

Lucinda

Lucinda successfully showed Hunters for almost 30 years, winning many Equitation Medal Finals and Year-End Hunter Championships, both as a Junior and as an Adult. She was an active NCHJA (NC Hunter/Jumper Association) Board Member for years, and judged NCHJA “C” level hunter shows for over 25 years. Lucinda also enjoyed sitting on the Board of Directors of the NC Horse Council for several years.

Lucinda

In 2003, Lucinda made the switch from showing hunters to showing reining horses, achieving her first reining goal in 2007 when, riding her ‘Mr Jerry Jac,’ placed 2nd in the very competitive and prestigious NRHA Rookie of the Year Finals. In 2014, Lucinda tried her hand at showing Futurity horses for a few years, finding it to be quite a fun challenge. Most recently Lucinda and “Made By Magnum” (Bentley) achieved the 2020, 2022 and 2023 NRHA Prime Time Non Pro World Champion Titles.

Cathy

Cathy Boles

CISR, AFIS
877-827-4480 Ext: 202
[email protected]

About Cathy

Cathy came to Star H in 2016 with 10 years’ experience in writing farm coverage while at Johnson Insurance/Johnson Farm & Ag Insurance in Mocksville with a focus on poultry/hog/crop farms.  Licensed in 2003 she started in personal lines, moving to farm/small business in 2007.  Cathy has earned both Certified Insurance Service Representative (CISR) and Agribusiness and Farm Insurance Specialist (AFIS) designations.

Cathy is married to Donald, and they have 2 grown sons, Mark and Randy who live in south Charlotte and Sedalia, NC respectively.

As a young girl Cathy had a pony named Prince for years, then moved on to Dusty, her thoroughbred/quarter horse mix.  She and Dusty had many adventures together, never in the show ring, just pleasure riding until his untimely death a mere 6 weeks prior to her and Donald’s wedding.  Marriage, raising a family, various jobs has kept her from owning another horse, but she has lots of fond memories to pull from.

Cathy

Now she enjoys babysitting her grand-dog Daisy when Randy and wife Hunter are out of town.

Allison

Allison Trottier

Mortality & Major Medical
877-827-4480 Ext: 210
[email protected]

About Allison

Allison Trottier began riding saddlebreds at age 8. She moved from saddleseat to hunters when she attended UNCG, where she became the equestrian team captain during her sophomore year. Allison graduated with a B.A. in Nutrition with a minor in Health.

Allison

Allison, husband Ben and son Anderson love their dogs and many times are found to have a foster living with them. Allison has a quarter horse named Dr. J whom she learned the discipline of reining. Although he’s retired, she has ridden two other reiners to compete in Beginner and Green Reiner classes, earning Top 5 finishes in both the VRHA and SERHA reining associations.

Allison

 Allison now is showing in the NRHA Rookie classes as well as club level Ranch Riding classes.

Allison

Allison

Lisa Jones

Executive Administrative
Assistant
877-827-4480 Ext: 206

About Lisa

Lisa

Lucinda Human

Marissa Ruffalo

Business Manager
877-827-4480 Ext: 201
[email protected]

About Marissa

Marissa joined Star H in February 2018 after relocating here with her husband, Tim, from Chicago, IL. Her primary role here at Star H is accounting, but she assists with day to day operations as well as the mortality department’s checking and distribution of policies.

Marissa is a seasoned office support manager with over 30 years’ experience. Her experience in the corporate world of Chicago began in accounting but quickly grew to include other roles that involved human resources, business administration and other undefined roles as needed. Before relocating, she spent the last 20+ years with the same employer, taking on a multitude of tasks that helped her expand her knowledge and experience in the business world.

In addition to her administrative work, Marissa is involved in fostering dogs for local rescues. She has four dogs, Bailey, Otis, Bella and Gunner, who she adopted from various rescues. She also loves fitness, competing in body building shows in her early years of weightlifting. She is married to Tim, and has two grown children and four grandchildren.

Lucinda Human

Jackie Grubbs

Mortality & Major Medical
877-827-4480 Ext: 207
[email protected]

About Jackie

A lifelong horsewoman, Jackie Grubbs, is a natural fit for Star H Equine Insurance. Riding and showing hunters since the age of 10, Jackie has always enjoyed being around horses. She currently has one horse, Misty. Misty, who has a little “red headed mare sass” is her trusty hunter she’s owned since age 2.

Jackie comes to Star H from a very customer oriented position in the Eyecare industry where she helped folks find the best solution for their eye care needs. She fitted many of us at Star H in glasses before joining our team. Jackie is married to Justin, a Duke Energy Lineman. He is not a horse person, yet supports Jackie and tries to every day to learn more about the horse world! Jackie most recently became a proud new mom in 2023.

Jackie

Butch

Butch Human

.
.
.

About Butch

Butch Human, Co-Owner of Star H Equine Insurance, was a graduate of the University of North Carolina with a degree in Business Administration and a Major in Insurance. He had over 45 years insurance experience and over 50 years involvement with horses, having ridden several World and National Champions and Reserve Champions in both western pleasure and cutting. He transitioned to reining horses, enjoying going to shows with his wife, Lucinda. In 2011, riding ‘Mr. Jerry Jac’ Butch earned his NRHA Green Reiner Buckle!

 In addition to his extensive insurance career, Butch also retired from the United States Marine Corps with a rank of Colonel. He served in the Republic of Vietnam as an infantry platoon and company commander. For his service in Vietnam he was awarded the Bronze Star, Navy Commendation Medal, Vietnamese Cross of Gallantry and the Purple Heart.

Butch was the founder and former owner of Horse Insurance Specialists, Inc. in Pilot Point, Texas, which he built into one of the largest equine insurance agencies in the United States before selling the business in 1997 with the intention of retiring. After five years Butch realized that he was bored with retired life and decided to re-enter the equine insurance business, starting Star H Equine Insurance.

In 2007, after completing the tough 3 year program, Butch was awarded the insurance designation “Agribusiness and Farm Insurance Specialist.”

Butch passed away in 2021 after a brief battle with lung cancer, leaving Star H in the capable hands of his wife, Lucinda.