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Standard horse blankets are commonly kept on a horse when it is loose in a stall or pasture as well as when travelling. Different weights are made for different weather conditions, and some are water-resistant or waterproof. Modern materials similar to those used in human outdoor wear are commonly used in blanket manufacture.

Blankets are sometimes used to keep the horse's hair short. If horses are blanketed at the beginning of the autumn, especially if kept in a lighted area for 16 hours a day, they will not grow a winter coat. Blankets also protect horses that are kept with a short clipped hair coat for show purposes. When a horse is given a full body clip, or even a partial "trace clip", it needs to have a blanket kept on at all times if the weather is cool because the horse no longer has the natural insulation of a longer hair coat. If a blanket is put on a horse at the beginning of the winter in order to suppress the growth of a winter coat, or if the horse is kept clipped in cold weather, the blanket cannot be taken off until warmer weather arrives in the spring. If a horse is subjected to cold

weather without either a blanket or a natural hair coat to keep it warm, it may become ill, and vulnerable to sicknesses such as influenza.

A blanket or pad used under a saddle when a horse is being ridden is called by many names, including a saddle blanket, saddle cloth, numnah, and saddle pad. They usually do not cover the horse's entire body, though a hybrid design that is a cross between a saddle blanket and a horse blanket, called a quarter sheet, is a blanket placed under the saddle but which covers the horse from shoulder to hip while riding. Quarter sheets are sometimes used in cold weather to keep a horse's muscles loosened up when warming up for competition, or on horses that may have to stand around when under saddle and run the risk of stiffening up if their muscles get chilled.