How do I unlock the Horse Insurance feature in RDR2?

Horse Insurance is a valuable feature in Red Dead Redemption 2 that ensures your horse is replaced for free if it dies. This feature is particularly useful for players who invest time and money into bonding with and upgrading their horses. To unlock Horse Insurance, you must first progress through the game''s story and reach a specific point where the feature becomes available.\n\nTo unlock Horse Insurance, you need to visit a stable in any major town, such as Valentine, Saint Denis, or Strawberry. Stables are marked on your map with a horse icon. Once you enter the stable, interact with the stable hand to access the horse services menu. Horse Insurance becomes available after you purchase a horse from the stable or bond with a wild horse and register it. The feature is not available for temporary or stolen horses, so ensure your horse is officially registered.\n\nWhen you select the Horse Insurance option, you will be prompted to pay a one-time fee. The cost varies depending on the horse''s value, ranging from $5 for basic horses to $125 for premium breeds like the Arabian. Once purchased, the insurance is permanent for that specific horse. If your horse dies, you can visit any stable to retrieve a replacement of the same breed and level of bonding. This ensures you don''t lose progress or have to spend additional money on a new horse.\n\nA common challenge players face is losing their horse unexpectedly, such as during combat or accidents. Horse Insurance mitigates this risk, but it''s important to note that it does not cover temporary horses or horses you haven''t bonded with. To avoid losing your horse, always keep Horse Reviver in your inventory. This item can be purchased from general stores or crafted using specific herbs. Using Horse Reviver immediately after your horse is critically injured can save you from needing to rely on insurance.\n\nFor new players, it''s recommended to invest in Horse Insurance as soon as you acquire a horse you plan to keep long-term. Early-game horses like the Tennessee Walker or Morgan are affordable to insure, and the cost is worth the peace of mind. Experienced players with high-value horses, such as the White Arabian, should prioritize insurance to protect their investment. Additionally, always maintain your horse''s health and stamina by feeding it regularly and brushing it to remove dirt.\n\nIn summary, Horse Insurance is unlocked by visiting a stable and purchasing it for a registered horse. It is a one-time fee that ensures your horse can be replaced if it dies. To maximize its benefits, always carry Horse Reviver and take good care of your horse. This feature is essential for players who want to avoid the frustration and expense of losing a beloved horse.