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This will depend on the terms of the lease. Usually, though, the owner will allow you to lease the tack and grooming supplies as well as the horse. However, if the owner has a saddle for an adult but you are leasing the horse for your 13-year-old to ride, you may need to buy a child saddle for your 13-year-old to be safe riding.

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Q: Do you have to buy tack when leasing a horse?
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