What Temperature Does A Horse Need A Rug?

What Temperature Does A Horse Need A Rug? Temperature Stabled/Clipped 5 to 10 degrees Mediumweight Stable Rug Zero to 4 degrees Heavyweight Stable Rug -10 to zero degrees Heavy Weight Stable Rug with Neck Cover -10 degrees or colder Heavyweight Stable Rug with Neck Cover plus Liner Rugs underneath When Should horses have rugs on?