Whether you use your trailer to haul agricultural goods in Cassia County or to carry your ATV from Boise to Soda City, Idaho is no stranger to all types of trailers, big and small. Chances are the items you haul in your trailer are valuable and you want to protect yourself from damage or losses. Only a comprehensive trailer insurance policy can give you that peace of mind.
An independent insurance agent can help you find the right trailer insurance for your particular needs. But before you seek quotes, there are several things to consider.
According to the ID Department of Motor Vehicles:
The following are approximate fees for various types of trailers:
Trailer coverage addresses any model and size of trailer that you might use to tow and transport goods, vehicles, equipment or animals behind your motor vehicle. Trailer insurance covers horse trailers, motorcycle trailers, ATV trailers, boat trailers, utility trailers, and many other varieties. If you are required to register your trailer in Idaho, chances are you will be able to find an insurance policy to cover it.
You may be able to bundle your trailer insurance with your auto policy, depending on the type of trailer you own. Your homeowners insurance may cover your trailer if it is small or is kept on the property.
Trailer policies protect you in a number of ways. Some trailer owners in Idaho assume that their vehicle insurance covers the trailer towed behind the vehicle, only to discover that the trailer needs its own insurance policy once the damage is done and their claim is denied.
Trailers range in size and cost anywhere from a few hundred dollars for a small equipment trailer to $100,000 for a large RV trailer or livestock trailer. These are expensive to replace and the contents they carry are often very valuable. If you carry expensive work equipment or valuable horses with your trailer, you may want contents coverage to protect you from any losses or damages to the things you carry.
The coverage you need will depend on the type of trailer you own and how you use it. Most ID insurance companies offer liability, collision, and comprehensive coverage as part of their trailer insurance package.
The quotes you will receive from Idaho insurance providers for trailer coverage will depend on a number of factors. Most companies take the following into account when calculating your quotes:
It may be possible to add a small utility trailer to your motor vehicle insurance policy at no additional cost, whereas a large livestock trailer may be quoted at a few hundred dollars a year. It's best to get quotes from a number of providers to get the most competitive rates.
You don't want to take the chance that any damage or losses to your trailer aren't covered by your traditional vehicle insurance policy. Knowledgeable independent insurance agents on the Trusted Choice® network are always available to help answer any questions you may have, suggest coverage options, and even help you file a claim.
With years of experience working with Idaho insurance companies, they can provide you with a variety of quotes from a number of providers. Contact a Trusted Choice agent in your area to find out how you can fully protect yourself with a comprehensive trailer insurance policy at the most affordable rates.