Does My Auto Insurance Policy Cover My Trailer?

Generally speaking, your auto insurance’s liability coverage will extend to your trailer. This means that if, for example, you’re pulling your trailer and it sways and hits another vehicle, your liability coverage would cover the damage sustained to the other person. However, even if you have comprehensive and collision coverage on your policy, you would be on the hook for covering any damage done to your trailer or its contents. If you want to ensure that you are financially protected if your trailer or its contents are damaged in an accident that is your fault, you’ll want to purchase trailer insurance.

Trailer Insurance for Every Type of Trailer

Almost any trailer can be insured, whether it’s used for personal or business use. The most common types of trailers that you can purchase insurance for include:

Personal Use:

• Bike trailers
• Car trailers
• Horse trailers
• Boat trailers
• Cargo trailers
• Camping trailers

Commercial Use:

• Semi-trailers
• Flatbed trailers
• Utility trailers
• Concession trailers
• Bulk commodity trailers

It’s important to ensure that you have the right type of coverage for your trailer. If your trailer insurance provides coverage for personal use and you are responsible for an accident while using your trailer for business purposes, your insurance coverage may not apply. You must have proper coverage. Your auto insurance agent can review your needs and help you decide what type of coverage is right for you.

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