Trailer Insurance
Why Choose Us?
What do you picture when visiting your trailer? Relaxing by the lake with family and friends, enjoying an evening bonfire? Unfortunately, emergencies can ruin your relaxation very quickly, leaving lots of work and very little play. Let us help you fix or replace, so you can get back to relaxing before the summer ends.
What Does Trailer Insurance Cover
Trailers can be covered under either your car insurance policy, or a property policy – much like your home insurance policy. There are a few major differences depending on how you use the trailer. Coverage can widely vary depending on the age of the trailer, the use and where it is normally stored. A common exclusion is for mice, raccoons and vermin.
Covers everything you keep in your trailer from clothes, food, coolers, utensils, microwave etc. Some trailer policies automatically include a small contents limit, but you should make sure it is high enough to cover everything you keep in your trailer.
If you have made any additions onto your trailer you should have them added onto your policy, as they will typically not automatically be covered.
What is Optional?
Your towing vehicle’s liability automatically extends to the trailer while it is attached to the vehicle. If your trailer is permanently parked you need to add liability insurance to your policy. Even if you only use your trailer while travelling you should still consider adding liability to your trailer policy, as it will cover the trailer while it is not attached to your vehicle, such as parking it a campground overnight and you take your vehicle to go get food.
Depending on your policy it will most likely cover basic water damage such as a pipe bursting, but you should consider adding septic backup and overland flooding. Septic backup claims tend to devastate trailers, as it is very difficult to clean up after a loss.
If you want to rent your trailer to make some additional money during the year, you need to tell your insurance company to be covered.
If you have a newer trailer you should make sure your policy includes a replacement clause which would pay you the cost to replace your trailer with a new one, rather than the market value of the trailer.
Please call our office for a quote or to ask us questions regarding the coverage. The explanations above are only a general overview and there are many options to fit your personal circumstances.
