Pennsylvania is home to an abundance of livestock, farmland, and camping destinations, as well as large cities with booming industry That means Quaker State motorists share the roads with a large number of trailers. If you use a trailer for work, play, or occasional errands, you may be a good candidate for Pennsylvania trailer insurance.
Trailer insurance covers liability, theft, and property damage if your trailer is involved in an accident or stolen. The types and cost of coverage vary from company to company. An independent Trusted Choice® member agent can help you find the trailer policy that fits your needs. Contact a local agent today to start comparing Pennsylvania trailer insurance quotes that fit your budget.
Common Types of Trailers in Pennsylvania
- Flatbed trailers
- Horse trailers
- Livestock trailers
- Boat trailers
- Camping trailers
- Utility trailers
- Auto trailers
- Personal watercraft trailers
- Commercial trailers
If you use your trailer for business, it may be partially covered by your business insurance policy. Likewise, your boat trailer may have some degree of coverage through your boat insurance policy. But trailer insurance offers extra liability coverage, contents coverage, and comprehensive coverage for damage from storms, vandalism, and accidents.
A member agent can talk with you about how you use your trailer, and help you find a policy that will protect you from the cost of replacing or repairing your trailer and cargo.
Do I Need Pennsylvania Trailer Insurance?
Trailer insurance is not required by PA law, but it is a good idea to purchase coverage so that you do not have to pay out of pocket for any issues that may arise from your trailer use. Trailer insurance can provide the following coverage:
- Liability: This coverage pays for bodily injury or property damage claims from an accident that involves your trailer such as fishtailing or rolling away from your vehicle. It also pays your legal defense. This coverage is limited by the amount you choose when you purchase your policy.
- Comprehensive: Comprehensive trailer coverage pays for damage to your trailer from storms, vandalism, or theft. Usually, trailer insurance pays the actual cash value in the case of a total loss, but you may be able to choose coverage for the replacement cost of the trailer.
- Contents: This pays for the value of the items you haul in your trailer. If you carry items for business, or have expensive property in your trailer, contents coverage would be a good choice.
- Emergency roadside assistance: This coverage is often very inexpensive, and provides assistance for flat tires, battery issues, and other problems that can crop up on a road trip.
Because the types of Pennsylvania trailer insurance vary widely from company to company, there are many options to consider. A local independent agent can explain the pros and cons of several trailer policies, and help you find the one that fits your lifestyle and budget.
What About Camping Trailers?
RV ownership has been growing more popular over the last decade. With all the camping opportunities available in Pennsylvania, many residents spend a lot of time in their camping trailers. You may wish to purchase special coverage for your camping trailer if you use it often. For instance:
- If you paid a high price for your RV trailer, you may wish to purchase total replacement cost coverage. That way your trailer insurance will cover the cost of replacing your trailer if it is totaled or lost, after you pay your deductible.
- If you live in your camping trailer most of the year, you may need full-timer coverage, which provides liability and property damage insurance similar to a homeowners policy.
- If your travel trailer remains in the same location all year, you might need stationary travel-trailer coverage.
A member agent can discuss your camping trailer use, and help you find PA camping trailer coverage that fits your lifestyle.
How Much Does Pennsylvania Trailer Insurance Cost?
Trailer insurance tends to be very affordable. Many drivers purchase coverage for less than $75 per year. Your coverage cost will depend on a variety of factors, such as:
- The value of your trailer
- Whether your trailer is for commercial or private use
- The value of your cargo
- The size and type of trailer
- The amount of your deductibles
- The history of the driver
An independent agent can show you several coverage options with a range of prices, so that you can find the one you need.
Where Can I Find Pennsylvania Trailer Insurance?
Many insurance companies provide trailer insurance as an add-on to your auto, boat, or business insurance, or as a separate policy. You can compare quotes one company at a time, or you can contact an independent agent in the Trusted Choice network. Member agents work with several insurance companies, and can find custom coverage tailored to your needs.
An independent agent can also combine your trailer coverage with other types of insurance you may need, such as homeowners insurance, umbrella policies, or travel insurance. Contact a local agent today to discuss your trailer use and risks, and start comparing Pennsylvania trailer insurance quotes that fit your budget.