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.
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Some Relevant Facts
- Since 1988, over 7,500 people have been killed or injured by trailers.
- Injuries from trailer-related accidents have totaled more than $38 million.
- One of the top causes of trailer-related accidents is a loose towing connection.
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.
What is Trailer Insurance in Kansas?
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:
- Liability: Liability insurance is designed to remedy any damage you cause. This may be in the form of property damage, vehicle damage, or personal injury. Liability insurance can also cover your legal defense fees in case you are sued in regards to an accident.
- Comprehensive: Comprehensive insurance pays for "everything other than collision." This means events like fire, theft, wind damage, and rain damage are covered.
- Collision: Collision coverage will repair your trailer if you are involved in an accident, regardless of fault.
- Contents coverage: While covering the trailer itself is important, what's inside the trailer may be worth much more. Contents coverage will cover items such as personal belongings, livestock, etc.
- Roadside assistance: If you end up stranded while towing your trailer, this coverage can get you help, quickly.
- Full-timer insurance: If you live in your trailer or RV, this insurance, which is set up much like a homeowners insurance policy, can cover you.
- Stationary travel trailer coverage: If you have a trailer that stays stationary, this insurance can cover the trailer and contents.
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.
What Types of Trailers Can Be Covered by Trailer Insurance in Kansas?
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:
- Boat trailer
- Box trailer
- ATV trailer
- PWC trailer
- Farm trailer
- Livestock trailer
- 5th wheel trailer
- Flatbed trailer
- Utility trailer
- Equipment trailer
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.
How Much Does a Trailer Insurance Quote Cost in Kansas?
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:
- Type of trailer
- Age of trailer
- Value of trailer
- How often trailer will be used
- What trailer will be used for
- If trailer will be used commercially
- Value of trailer's contents
- Your driving record
- History of claims
- Where trailer will be stored
- How far trailer will travel
All of these factors, plus more, will be used to give you an accurate trailer insurance quote.
Are There Discounts Available on Trailer Insurance in Kansas?
Typically, there are discounts available for all insurance policies, trailer insurance included. The discounts you may be eligible for can include the following:
- New customer discount
- Loyal customer discount
- Multi-policy discount
- Good driver discount
- Claims-free discount
- Lay-up discount (if you only use your trailer during summer, for example)
- Security system discount
- Brake switch discount
- Military discount
- Paid in full discount
- Educator discount
- Industry affiliation discount
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.
How Do I Get Trailer Insurance in Kansas?
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.