Even though many states require some trailers to be registered, none mandate trailer insurance. Laws vary by state, but in most cases you'll find that your trailer is covered under your vehicle's liability insurance policy. If you cannot find trailer protection listed under your current policy, you should be able to obtain coverage as an add-on to your car's existing insurance plan. For help with this, contact your insurance agent.
This same type of coverage extension also applies to boat trailers. Your boat's insurance policy should also provide protection for your boat trailer against damages.
If you're worried about vandalism, theft, or even having a tree topple over on to your trailer, you may want to consider taking out a separate comprehensive policy for the trailer.
Unlike auto insurance, trailer insurance is extremely affordable. Depending on trailer type and use, it's not uncommon to find trailer insurance for under $75.
Get a Trailer Insurance Quote
If you opt to carry trailer insurance, you should shop around just like you would for car insurance.
Begin searching with car insurance companies. Many top-name auto insurance providers now offer trailer coverage for a long list of trailer types.
To obtain a quote, you'll need to provide:
- The type of trailer and what you'll be towing. If it's a horse trailer, for example, you'll need to determine how many horses it will carry.
- The trailer's length and width.
- The trailer's purchase price.
- The trailer's make, model, and serial number.
- Whether you plan to use the trailer for commercial or private use.
Additional Insurance Coverage
Need help in learning about insurance discounts? Or are you unsure of your state's insurance requirements. For answers to these and all of your insurance questions visit our Insurance Center. You'll find not only insurance information for cars, but also for motorcycles, RVs, boats, and commercial vehicles.