Whether you use your trailer to haul business equipment down Highway 113, or to pull livestock down Delaware's country roads, chances are you have invested a significant amount of cash in that trailer. Finding the right trailer insurance policy could mean the difference between parking it indefinitely and recovering quickly after damages.
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Before you search for quotes on trailer insurance policies, however, there are a few things to keep in mind.
Are Trailers at Higher Risk for Accident?
Delaware news publications and broadcast shows are full of accident reports, many of them involving tractor-trailers. Trailers pose different risks to other motorists in a number of ways:
- Trailer sway
- Overloaded trailers
- Trailers can become unhitched
Your vehicle insurance policy may not cover any of these events should they happen with your trailer, leaving you holding the financial bag and the responsibility for any damages or injuries your trailer causes.
Can I Find Insurance for My Specific Trailer?
Most Delaware insurance companies offer policies that cover a wide range of trailers. You should be able to find quotes on any of the following, and more:
- Bicycle trailer
- Boat trailer
- Horse trailer
- Livestock trailer
- Motorcycle trailer
- Popup camper
- Travel trailer
- Utility trailer
Why is Trailer Insurance Important?
If you haul valuable items with your trailer, one accident could significantly set you back without the protections of an insurance policy.
If your trailer becomes unhitched from your vehicle and causes injury or property damage to another person (or people), you could face liability claims that may not be covered by your auto insurance policy. It's a good idea to prepare for the worst case scenario. Added liability protection that a trailer insurance policy can provide may just give you some crucial peace of mind when the worst happens.
Does Delaware Require Trailer Insurance?
Though not required by Delaware law, trailer insurance is one of those forms of protection that you can never appreciate until you need it most. Delaware does require some trailers to be registered with the state. It's a good idea to check if your trailer needs to be registered to avoid paying for traffic violations.
In some 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 may be able to obtain coverage as an add-on to your car's existing insurance plan, depending on the size and type of trailer you're pulling. For help with this, contact your insurance agent.
This same type of coverage extension also applies to boat trailers. Your boat's insurance policy may also provide protection for your boat trailer against damages and liability.
What Does Trailer Insurance Cover?
The kind of trailer you own and the way you use it will determine the variety of insurance coverage you need. Most Delaware insurance companies offer the following types of trailer coverage:
- Liability: Covers the cost to repair another person's property or medical bills should your trailer cause them damage.
- Collision: Covers the costs to repair your trailer should it be involved in an accident.
- Comprehensive: Covers damages from severe weather events, vandalism and theft.
If you use your trailer for business, you will need to cover the trailer as part of your commercial vehicle insurance policy. This type of coverage would include auto haulers, side dump trailers, dump body and transfer boxes, concession trailers, dry freight trailers, flatbed trailers, gooseneck trailers, livestock trailers, logging trailers and any other trailer you may use for your Delaware business.
What Will My Trailer Insurance Quote Look Like?
Unlike auto insurance, trailer insurance is generally rather affordable. Depending on trailer type and use, it's not uncommon to find trailer insurance quotes for fewer than $75 per year. Delaware insurance companies take several factors into consideration when calculating your trailer insurance quote, including:
- 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 and model
- Whether you plan to use the trailer for commercial or private use
- Your driving record
- Your age
- Your credit history
It's always a good idea to find and compare several quotes from a variety of Delaware insurance providers to make sure you are receiving competitive rates.
How Can I Find Trailer Insurance?
Before you hit the road in Delaware, finding the right trailer insurance policy and the protection you need is wise. Knowledgeable, independent insurance agents on the Trusted Choice® network are always here to help answer any questions you have about trailer insurance, suggest coverage options, and even help you file a claim. Their years of experience in working with Delaware insurance companies enable them to find a number of quotes from various insurance providers, ensuring the quotes you see represent only the most affordable rates.
Contact an agent in your area to find out how you can secure trailer insurance protection.