A saddle accessory apparatus is comprised of at least one panel of fabric material having a saddle seat covering portion shaped and sized to cover a saddle seat when mounted thereupon, and first and second flap portions, each extending from opposing sides of the seat covering portion and sized and shaped to cover the stirrup leathers of an English-style saddle, and all or substantially all of the fenders of a Western-style saddle. The apparatus protects the rider's bare legs when riding in shorts. Another embodiment of the apparatus includes riding implement retention means for retention of crops, bats, rods and the like and preventing them from falling to the ground if accidentally dropped.