Trailer insurance? - The Horse Forum
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post #1 of 14 Old 09-05-2019, 01:58 PM Thread Starter
Yearling
 
Join Date: Feb 2008
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Trailer insurance?

I got my very first trailer last night I am so excited! I have been waiting 11 years for this!

Who do you use to get full coverage insurance on your trailer? My car insurance company includes liability for trailers but I need something to cover the cost of the trailer too.

I will be shopping for quotes but was definitely wondering who you all recommended.

I don't think it will make a difference but I am in Indiana. Thanks!
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post #2 of 14 Old 09-05-2019, 02:01 PM
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Join Date: Nov 2015
Location: Canada
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Yes, liability automatically extends from the towing vehicle.

As for physical damage, you can ask your auto provider if they can add it.

Since we have a farm policy, my horse trailer is actually covered on that policy for any physical damage. I am in Canada, but I think the principle is basically the same.

You may need to insure your tack or anything inside your trailer separately.
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post #3 of 14 Old 09-05-2019, 02:59 PM
Trained
 
Join Date: Jun 2010
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I went through Creelman.

https://www.creelman.com/our-product...ler-insurance/
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post #4 of 14 Old 09-05-2019, 03:30 PM
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Location: Texas
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Since I will be paying on my trailer until I am 6 feet under, I went with my auto insurance for trailer coverage.
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post #5 of 14 Old 09-05-2019, 03:35 PM
Showing
 
Join Date: Jul 2010
Location: MD
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I went through State Farm for the trailer, but I don't have them for my car insurance (too expensive).
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post #6 of 14 Old 09-06-2019, 01:47 AM
Trained
 
Join Date: Apr 2013
Location: Southern Indiana
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We insure our trailer through our auto insurance provider.
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post #7 of 14 Old 09-06-2019, 03:59 AM
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I have a separate policy for my trailer with my auto insurance provider. It is full coverage in case it is damaged, I also opted to insure it's contents in case of damage or theft. It's pretty much insured like it is an RV. I have progressive, It's not too expensive and they have been good when I had to make a claim on my vehicle.
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Last edited by LoriF; 09-06-2019 at 04:12 AM.
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post #8 of 14 Old 09-06-2019, 09:04 AM
Green Broke
 
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We too have trailer insurance just on the trailer and a rider on that policy to cover contents. We go through our Auto Insurance provider (Country Insurance)
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post #9 of 14 Old 09-06-2019, 09:28 AM Thread Starter
Yearling
 
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Quote:
Originally Posted by txgirl View Post
Since I will be paying on my trailer until I am 6 feet under, I went with my auto insurance for trailer coverage.
You too? While shopping the dealer told us that you could finance a trailer over 12 years. So my husband is like we'll take the nicer one! And who I am to say no? LOL

Thank you everyone! My auto insurance provider said it will only be $5 a month to have full coverage on the trailer, so I'm thrilled!

The dealer said it usually ran $70-$80 per month which didn't sound right because thats as much as my truck!
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post #10 of 14 Old 09-06-2019, 11:31 AM
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Join Date: Apr 2013
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You got me curious so I had to look up what we pay (paid in May so I've slept since then and couldn't remember). $65.00 and 9.00 per year on the 4 horse with LQ and 2 horse respectively. Both are older models so probably right in line with what you're paying. Little cost for peace of mind, huh?
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