Whether it's for ATV riding, boating, horseback riding or car repair, many people in Connecticut own trailers. Trailers can be worth their weight in gold. They allow people to get their precious belongings to a destination. And you should have trailer insurance if you want to protect your trailer and its contents. Many auto insurance policies do not cover a trailer, and some auto insurance policies cover just the trailer, not what's on it. So before you decide to hit the road, have a local insurance professional gather insurance quotes for you and answer questions about legal requirements, coverage types, discounts, etc. for your trailer.
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What Types of Trailers Can You Insure?
If you can tow it, there's an insurance policy cover it. These are some of the trailer types you can protect with an insurance policy:
- Motorcycle/ATV trailers
- Utility trailers
- Enclosed trailers
- Farm trailers
- Flatbed trailers
- Boat/Watercraft trailers
- Horse trailers
- Auto trailers
- 5th wheel (Gooseneck) trailers
- Camping trailers
- Commercial trailers (for hauling equipment or goods)
- Horse/livestock trailers
Unfortunately, many CT drivers believe that their auto or homeowners policy covers their trailer and the load it carries. However, this may not be true. It's important to contact your insurance agent to see what is covered.
What Do Trailer Insurance Policies Cover?
There are many coverage options when it comes to trailer insurance for CT residents. Since trailers attach to vehicles, their coverage types resemble typical auto policy coverage types:
- Liability: If you are at fault or sued over an accident that occurs while towing your trailer, you may find yourself struggling with a large financial burden. Liability insurance is designed to cover the costs associated with accidents you're liable for.
- Comprehensive and collision: If you have a valuable or custom trailer, this coverage will guarantee repairs to your trailer.
- Contents coverage: If you tow valuable cargo, such as livestock, vehicles or antiques, it's important to have contents coverage to cover any damage to that cargo from incidents, including theft and vandalism.
- Roadside assistance: If your trailer blows a tire or has a malfunction, this insurance will help you get back on the road.
- Full-timer insurance: If your trailer is your primary residence, this coverage will take the place of homeowners insurance, covering your contents and your trailer.
- Stationary travel trailer coverage: This insurance covers the contents of mobile homes and other stationary trailers as long as the trailer remains in one spot.
- Boat trailer: You may want an insurance policy tailor made for boat owners.
- Horse/Cattle trailer: Having livestock is expensive, whether it's cattle or horses. Make sure you cover your livestock investment when it's on the road.
- Commercial trailer: If you haul loads for your job or business, it's important to have your trailer covered with commercial trailer insurance. If you're involved in an accident while hauling a load for work-related purposes, your auto insurance will not cover the damages.
What's an Average Quote for Trailer Insurance in CT?
Several factors contribute to getting reasonable trailer insurance policy quotes and, ultimately, to the cost of your policy, including the following:
- Length of trailer
- Age and value of trailer
- Make and model of trailer
- Trailer's use
- Cargo hauled on the trailer and its average value
- Whether the trailer is used for commercial purposes
- Trailer storage location
- How often the trailer will be used
- Any security features
- Special additions/accessories on the trailer
Trailer insurance costs may range from $100 to several hundred dollars a year, depending on the above factors. It's important to talk to an insurance agent to get insurance quotes, information and a clear idea of what you should expect to pay.
Are There Trailer Insurance Discounts Available?
There are many insurance discounts available for trailer policies. Different companies have different deals they offer to their customers. They may include any of the following:
- Good driver discount
- No claim discount
- Multi-policy discount
- Safety course completion discount
- Low-mileage discount
- Low-commute discount
- Senior discount
- Military/Industry affiliation discount
All of these discounts may add up to big savings on your trailer insurance rates, so be sure to talk to your agent about the savings you qualify for.
Does Connecticut Require Trailer Insurance?
If you are using your trailer for personal use, CT law does not require trailer insurance. If you are using the trailer commercially or took out a loan to purchase it, you may be required to have coverage. In the case of a commercial trailer, liability insurance will likely be the coverage you need to carry; a trailer purchased through a loan may need comprehensive/collision coverage. This all depends on your usage and the lender, so make sure you check with an insurance agent before you purchase coverage you don't need.
One very important thing to remember is that trailers can be dangerous for their owners and other drivers. Trailers can detach and fishtail, which could cause an accident or an injury. Having a trailer insurance policy in place will help you ensure that, no matter what happens, your insurance will cover costs and damages, and you won't pay huge out-of-pocket costs.
How Do You Obtain Trailer Insurance in Connecticut?
No matter what type of trailer you own, it's important to have insurance coverage backing you up on the road. Whether you'd like to ask questions regarding policies, review a current policy, or discuss coverage options, a Trusted Choice® is always available to help you.
Contact a local Trusted Choice agent for more information.