No matter what type of trailer you own or how you use it in the Buckeye State, trailer insurance is the best way to protect it. Even though Ohio does not require you to insure your trailer, it still makes a lot of sense when you consider everything that can go wrong. Your trailer may be partially covered by your auto insurance policy.
If the trailer is not covered, you can add it as an optional coverage or buy a separate Ohio trailer insurance policy. An independent insurance agent can help you compare dozens of trailer insurance companies, coverage options, and rates, to find the policy that fits your specific needs and budget. Contact a local member agent now for Ohio trailer insurance quotes.
- Damage to a towed car
- Unbalanced loads
- Using trailers not rated for towing
- Tire pressure and blowouts
- Loose articles
- Lane-changing collisions
What is Ohio Trailer Insurance?
Trailers come in handy when you need to tow or haul something from Point A to Point B. But, they also can add extra risk to your travels. Trailer insurance helps you to minimize additional risks. The most important part of your trailer insurance is liability coverage. It protects you from lawsuits and liability claims that result from an accident that is your fault. The coverage pays claims for bodily injury, death or property damage to another. In addition, it provides legal defense costs if the other party sues you.
You also need collision and comprehensive coverage just as you do with your car or truck. Collision covers damage to your trailer that is caused by running into objects or other vehicles, except for animals. Comprehensive or "other than collision" protects you from most other damage. This includes falling objects, hail, theft, damage and even running into animals, such as deer.
What Types of Trailers Are Covered?
There are many trailers on the road, but you can normally find trailer insurance for all types of trailers. Here are some of the popular trailers that are insurable with Ohio trailer insurance:
- Boat trailers
- Car haulers
- Cargo trailers
- Utility trailers
- Horse trailers
- Flatbed trailers
Liability, collision and comprehensive coverage are available for all of these trailers. The amount of coverage you need depends on the cost of your trailer, what you haul, and where you drive.
What Other Trailer Coverage Options Are Available?
In addition to the standard trailer coverage options, you can also find some specialized options for the contents of your trailer, roadside assistance if needed, and even reimbursement of your expenses if you have to stay in a hotel while your trailer is repaired. In addition, you can cover your boat trailer if it is stolen when it is left at the boat launch, the vehicle on a car hauler while it is in tow or your tack stored in your horse trailer. If you use your trailer for business, it may be covered as part of your commercial auto policy. However, if you tow valuable merchandise or equipment, you may need additional coverage of a trailer insurance policy.
How Much Does OH Trailer Insurance Cost?
The cost of your trailer insurance will vary based on a number of factors, such as the value and use of your trailer. Here are some of the questions that a local agent may ask you to provide, to find an exact trailer insurance quote:
- What's the purpose of your trailer?
- What is the age, make, model, condition and dimensions of your trailer?
- How often do you use it?
- Do you want anybody else on the policy with you?
- Do you intend to lend your trailer to others?
- What types of safety features, such as anti-theft devices, are on the trailer?
- Do you want to include cargo, boat, motorcycle, landscaping equipment, etc. in your coverage?
Trailer insurance is often very affordable, and if your trailer is essential to your work or play, it would probably be an easy and wise investment.
Get Ohio Trailer Insurance Quotes for Any Trailer Type
If you need extra coverage for the risks associated with towing and hauling with a trailer, you can find it with the help of a local agent. Since our agents are independent agents, you get access to multiple insurance companies, coverage options, and rates. This helps you find the coverage you need at a price you can afford.