For residents of the Granite State, the outdoors is a second home. This means that the state consists of horse lovers, boat enthusiasts, family campers, and snowmobile riders. To make sure that your outdoor hobby travels safely, it’s important to have a trailer. But do you know whether your hobby is protected during travel?
If you have liability insurance, which isn’t required by law, your trailer may be partially covered, but what happens if you’re in an accident and your trailer is totaled? Or your cargo is damaged? Liability insurance can’t cover those repairs or replacements. There are many different types of trailers and each one has unique insurance needs. The horse trailer with a breeding stallion may need more coverage than the pop up enclosed trailer you only use once a month.
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Registering Your Trailer
- If your trailer is less than 15 years old, it should be registered.
- If your trailer weight more than 3,000 pounds, it should be registered.
- All NH towns have individual trailer registration fees. Contact your town clerk’s office for information.
- For trailers weighing 3,000 to 5,000 pounds, a title costs $24.
- For trailers weighing 5,000 to 8,000 pounds, a title costs $36.
- If you construct a trailer weighing more than 3,000, you must complete a Homemade Trailer Statement.
- The town clerk’s office can register your trailer.
Types of Trailers We Insure
- Horse trailer
- Auto trailer
- Livestock trailer
- PWC trailer
- Camping/travel trailer
- Boat trailer
What Are My Coverage Options?
Purchasing the right policies and New Hampshire trailer insurance coverage amounts is a personal decision, but it can be hard to understand how much risk you face without speaking to a professional. Here are a few types of trailer insurance:
- Trailer liability: If you cause an accident and your trailer is responsible for property damage or bodily injury, you’re held responsible. While your vehicle insurance may cover a portion, it isn’t guaranteed. Trailer liability can be used if the injured party needs to make a claim that isn’t covered by your vehicle insurance.
- Comprehensive trailer coverage: Damage can be caused by a variety of elements. While liability pays for another person’s damage, this policy pays for your trailer’s repairs. Additionally, if your trailer is damaged by fire or smoke, severe weather, theft, or vandalism, this policy assists you with paying for repairs.
- Total loss replacement: You can insure your trailer at replacement cost or actual cash value, depending on the policy. If your trailer is less than 5 years old, try to find a policy that will insure it at replacement cost. Otherwise, many policies will only insure your trailer for actual cash value.
- Trailer contents coverage: If you carry valuable cargo, this policy is valuable. It will add to your premium, but without it, contents aren’t covered at all.
Emergency expenses/roadside assistance: If you become stranded on the side of the road, a trailer may be more difficult to fix than your standard vehicle. This policy ensures that someone experienced in trailer emergency repair is at your side.
How to Find New Hampshire Trailer Insurance
Although it may seem like a very specialized insurance policy, it’s easy to get coverage when you work with a member agent in our network. There are over 22,000 member agencies in 27,000 locations nationwide. Your member agent has access to multiple resources that your normal “captive agent” can’t use. Member agents can use the resources to compare New Hampshire trailer insurance to guarantee you don’t overpay for protection.
If you’re ready to get a New Hampshire trailer insurance policy that really works for you, contact an agent today.