Toy Hauler Insurance

Are your valuables covered?


A toy hauler trailer can be a very expensive investment, with prices ranging from $10,000 up to $80,000 for the more luxury models. Consider protecting that investment with toy hauler insurance. 

When you are hauling beloved possessions such as motorcycles, ATVs, or snowmobiles, you can have peace of mind knowing that if anything happens to your trailer or cargo, you are covered.

To find the right toy hauler insurance for your trailer, contact a local independent agent in our network. These agents have access to many different insurance companies and policy options to meet your coverage needs. 

Contact an agent today to get toy hauler insurance quotes so you will be well covered on your next trip away from home.


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Our independent agents shop around to find you the best coverage.

Toy Hauler Trailer Safety Tips

  • Always allow extra space for wide turns
  • Remember your blind spots and sight lines
  • Always keep in mind how much space your truck and trailer occupy, including length, width, and height

Overview Information on Toy Haulers

Toy haulers come in a variety of sizes. What makes a toy trailer stand out from other RV trailers is that they have a fold-down ramp in the rear of the trailer so you can easily load and unload your small vehicles and equipment. 

These are very sturdy trailers that usually include a diamond plate lining and come with tie-downs to secure your cargo. A toy trailer is used to haul your ATV, dirt bike, motorcycle, or snowmobile.

A toy trailer can be similar in size to a 23-foot camper or as long as a 40-foot fifth wheel. These trailers can also have amenities similar to what you might find in a motorhome, such as a king-size bed, a full-size bathroom, a full-screen satellite TV, and kitchen facilities.

The cost of these trailers also varies depending on your specifications. What you need to tow behind you, the amenities that are included, and whether you are looking for luxury accommodations will all factor into the type of toy hauler you buy.

How Much Does Toy Hauler Insurance Cost?

The cost of insurance for your toy trailer depends on a number of variables, such as:

  • The make and model of the toy hauler
  • The size of the trailer
  • The age and condition of the trailer
  • The deductible you choose
  • The insurance coverage options you carry

Generally speaking, the insurance costs for these trailers can be as low as $48 per year, but a fairly new and larger size trailer may cost somewhere between $200 to $300 per year to insure. 

Some trailers with all the bells and whistles can cost as much as $500 per year for coverage. A rule of thumb you may want to use is that typically the insurance company will charge about $6 per every $1,000 of the trailer’s value.

What Does Toy Hauler Insurance Cover?

The coverage provided for your sports utility trailer can include some or all of the following, depending on what the insurer offers:

The coverage package and additional options you can purchase will vary from one insurance carrier to another, so make sure you know what is offered and included in the policy you buy.


Save on RV Insurance

Our independent agents shop around to find you the best coverage.

Possible Damage to Your Toy Hauler Trailer

Because toy haulers are expensive and can cost as much as a motorhome, it’s a good idea to protect both your toy trailer and your possessions with the right insurance coverage. You will want to be covered for a range of possible causes of damage or loss, including the following:

  • An accident on the road, especially if the at-fault driver is underinsured
  • Large hail stones and other severe weather damage
  • Fuel related fires and wildfires
  • Theft and vandalism
  • Collision with wildlife

You likely use your toy hauler trailer to carry valuable possessions and cargo with you. You have probably also spent a lot of money just to buy your trailer. Many toy hauler owners are not sure whether their auto insurance covers their trailer, the toys they are hauling, and other personal possessions and valuables on board. 

It’s a good idea to do some research, review your policy, and fully understand your coverage.  You may be able to get some insurance discounts if you work with an independent agent who is familiar with the options.

An agent in our network can help assess your insurance coverage needs for your toy hauler. These agents can provide multiple options for you to consider and will answer all of your questions so you can be sure you have the right coverage in place for both your trailer and the possessions you are hauling.

Find an independent agent today to compare toy hauler insurance quotes and get personalized assistance with all of your coverage needs.

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