Abstract: A saddle includes a tree having a rider-facing side and a horse-facing side, a seat cover adapted for detachable installation on the rider-facing side of the tree and an insert adapted for installation between the tree and the seat cover. Conveniently, the insert may adapt the saddle for riders of distinct size and shape and accommodate for physical differences between male and female riders. Furthermore, a connection panel secured to the horse-facing side of the tree may allow for releasably secured panel padding elements that customize the horse-facing side of the tree to a particular horse. Adjustable stirrup bars provide even further flexibility of customization.