The smallest state in the country by area, and the 8th least populated, Rhode Island still has a lot to offer residents and visitors. It wouldn’t be unusual to see a vehicle pulling a trailer carrying a boat, camping equipment, livestock, or even another vehicle like an ATV or motorcycle. Most people would assume that a trailer being towed would be covered by the auto insurance on the car. In many instances this will be true but it might be worth checking whether you need specific Rhode Island trailer insurance just in case.
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Different Types of Trailers Used
- Horse/livestock trailers
- Boat/PWC trailers
- Auto trailers
- Camping trailers
- Flatbed and other commercial trailers used to transport heavy equipment or goods on pallets, etc.
While you might well be covered for towing your trailer by your normal car insurance, there are lots of other potential scenarios that you may need to consider. To begin with, most policies will not cover the contents of the trailer; so if you are hauling something expensive (or dangerous) the costs may fall on you if there is an accident.
What Sort of Coverage Do I Need?
The most basic coverage will be for liability should you have an accident that causes harm or damage to other persons or their property. Some of this may be covered in other policies but the limits might be restricted and not sufficient enough to cover a major accident. The possible financial consequences of a serious incident can be too great for an individual to cover and you need the protection of Rhode Island trailer insurance to give you peace of mind in this respect.
You might decide that you want the added protection of comprehensive coverage which covers you not only for collisions with other vehicles or objects but also for fire, theft, vandalism, and severe weather damage. If you have a particularly expensive trailer this sort of coverage is advisable. Total loss replacement goes even further and replaces your trailer with a brand new one if it is written off in the first 5 years.
Contents and accessories to the trailer may also not be included in some standard policies and you need to check carefully if you haul significant cargo or have lots of expensive add-ons. If you actually live in the trailer you may need Full Time Insurance or Stationary Travel Trailer coverage.
What Is Trailer Insurance Likely to Cost?
The cost of Rhode Island trailer insurance can vary widely. The personal details of the driver who tows the vehicle will have some influence as will the age, cost, and type of trailer. What you use it for will also factor in the balance. If it is a small trailer used occasionally for moving items around the premium will probably be minimal. If you have an expensive commercial trailer which you use frequently in the course of your business, or haul expensive or dangerous materials, your premium is likely to be higher.
So, whether you are pulling your boat down to the marina or towing a load to the factory, why not contact your Trusted Choice® representative about Rhode Island trailer insurance today? Doing so will make sure you don’t leave a trail of trouble behind you.