Kansas is a beautiful state, with flat prairies and booming downtown areas. The residents of Kansas enjoy a vast array of outdoor activities, including ATV riding, boating, camping, hiking, and much more.
Many of these activities are made easier with the help of a trailer. ATVs, boats, motorcycles, horses -- all of these can require a trailer in order to make traveling safe. Towing a trailer can be dangerous, as well, especially if you're not trailer savvy.
In addition to taking a towing safety course, one vital way to protect your trailer is to have trailer insurance. This coverage is specifically meant to cover trailers and their contents in case of an accident, theft, arson, or natural disaster.
Towing accidents happen, no matter which type of trailer you're towing. Even experienced drivers who tow frequently can be involved in accidents, as other drivers may not be familiar with the rules of the road regarding driving around or behind a trailer. Whether you're towing a boat, ATV, or a livestock trailer, it's advantageous to have trailer insurance in place before hitting the road.
Trailer insurance is a set of policies designed to protect you, your trailer and its contents from liability and loss when a covered event occurs. It resembles an auto policy, but is usually much more affordable. If you use your trailer for commercial purposes, commercial trailer insurance is required. The following is what a typical, non-commercial trailer insurance policy looks like:
If you purchased your trailer with financing, your lender will likely require you to carry collision and comprehensive insurance in order to cover the value of the trailer in case of a total loss. Additionally, if you use your trailer for commercial uses, you will need to have liability insurance on the trailer to satisfy state requirements.
There are a number of different types of trailers, and each one is perfectly suited for its use. Below is a list of the most common insurable types of trailers:
You may have a different type of trailer than the ones mentioned above, or you may have a custom trailer. The majority of trailers can be insured for any risks you may face.
When it comes to insuring anything, insurance companies must know basic facts about the item before giving a quote. There is no exact price of a trailer insurance quote that applies to everyone, as the risks you face are individual. When getting trailer insurance quotes, be sure to be familiar with the following:
All of these factors, plus more, will be used to give you an accurate trailer insurance quote.
Typically, there are discounts available for all insurance policies, trailer insurance included. The discounts you may be eligible for can include the following:
Be sure to ask your agent about any discounts you may not be aware of, or discounts you may qualify for now, that you were unable to qualify for previously, such as the good driver discount or claims free discount.
Purchasing trailer insurance is an important part of being a responsible trailer owner. When getting trailer insurance quotes, it's important to have a knowledgeable professional by your side. A Trusted Choice® agent is always available to answer questions, suggest coverages, or even help you file a claim.