I'm like Jill--with 25 horses I could come up with full names of each & I'm sure get replacement papers that way, though it would hurt to have to fork out $500 to get those replacements. I don't keep photocopies of the registration papers off site. I agree it is the originals that should be in a safety deposit box, but with horses to be made permanent & such, it's kind of a pain to go & get them & put them back. All our important papers are in a metal box by the door. It's the rule that someone grab the box as they run out the door. If it's necessary to go out a window, well, so be it--those important papers aren't really all that important. I would be more upset at losing my saddles & any harness & other tack, since much of that is kept in the house.
Something no one has mentioned--unless I miss it--is breeding records. I would expect that the registries could come up with a list of horses owned by a specific person, but breeding records are another matter. This time of year--after breeding season but before the majority of people have sent in their breeding records--could you do up your stallion reports without your breeding records/calendar/whatever you keep track of which mares were bred to which stallions? For me it's not a big deal; we have a total of 7 broodmares (with only some of them being bred in any year)--and there's one stallion here. I have no trouble remembering which mare got bred to which stallion, and even if I couldn't remember exact dates, I'd be close enough to "wing it". Even so, my breeding records are one thing which I do keep a duplicate of, off site--I have all that info written on my calendar at work, so I'd have to do no guesswork to make up my stallion report if something happened to all the paperwork here at home.
This is especially important for someone that is using several breeding stallions & is covering a large number of mares each year. I shudder to think of the nightmare the Eberth's will have in trying to figure out which mares got bred to which stallion when. Maybe they have a system & good memories, but I think this part of it will be far worse than getting the papers replaced.