Trailer insurance is used to cover what might use to tow and transport supplies, vehicles, equipment or animals behind your vehicle.
The amount and type of insurance you need for a trailer depends upon its use and its value.
You may be able to add your trailer onto your auto policy, depending on the type of trailer you have. Your homeowners insurance may cover your trailer if it is small or is stored at home.
You can talk to any of our insurance agents to check on coverage that you may already have, and discuss options to cover any gap in your policy to make sure that your trailer is protected.
What Does Trailer Insurance Cover?
The type of trailer you have and the way you use it will dictate the kind of insurance coverage you need. Some of the insurance coverage you may need for your trailer includes liability, collision, and comprehensive.
While collision covers damage from an accident, comprehensive will provide coverage for things like hail and storm damage, theft and vandalism.
The risk of liability is often overlooked because you tow rather than drive a trailer, and it does not have its own engine. However, trailers have been known to become unhitched and can cause extensive damage. Your auto liability may or may not cover damages from your unhitched trailer.
If you are using a trailer for your business, you may want to talk to us about a business policy that will cover you specific to the items that you will be hauling with your trailer.