Cargo trailer
What is a cargo trailer?
Cargo trailers are designed to transport horses, ATVs, equipment, food, and other goods on long distances. They're enclosed, enabling you to travel without worrying about damages from the elements.
Does my auto insurance cover my trailer?
Simple answer is …. NO. Whether you pull your cargo trailer with your truck or car, the insurance on your motor vehicle will NOT cover your cargo trailer if it's stolen, vandalized, or damaged in an accident. You'll need a separate insurance policy to cover any physical damage to your cargo trailer.
How much does enclosed trailer insurance cost?
Your rate will depend on many factors, such as your coverage selection, location, age, and driving history. Your cargo trailer's size could also affect your price.
Tips for quoting cargo trailer insurance
Know how often you plan to use trailer and in what capacity: The amount of days you use your cargo trailer per year and the way it is use impact its price.
Customize your coverages: You can add extra protection based on your needs, like replacement cost coverage for your personal items and roadside assistance.
Increase your deductibles for a lower price: The more you're willing to pay out of pocket in the event of a claim, the better your insurance rate.
What does insurance for cargo trailers cover?
You can choose exactly how you want to protect your trailer.
How Trailer Insurance Protects You
Your Trailer
Helps to protect your recreational trailer (and, if applicable, awnings) against insured risks like collision, theft, damage and more.
Your Belongings
Helps to protect you financially against insured damage or loss to personal property inside your trailer or detached private structures.
Detached Private Structures
Helps to protect your detached private structures such as a fence, shed or deck (if applicable), against insured risks like vandalism or damage by animals.
Trailer Insurance EXTRA Coverage
Your plan will provide affordable protection for a park model trailer, tent trailer, camper, fifth wheel, toy hauler, or horse/stock trailer2.
• Protects your trailer, detached private structures and belongings against a wide range of risks.
• Insures your trailer for actual cash value or guaranteed replacement cost, based on your needs and trailer age.
• Emergency vacation expense coverage helps with reasonable and necessary emergency expenses if your unit is lost or damaged as a result of an insured loss.
• Optional emergency road service coverage protects you in case you break down, need a tow or battery boost, run out of gas and more.
• Golf cart coverage, extended warranties for appliances and other coverage may be available.
• Additional protection is available if you travel with your unit full-time.
• Disappearing Deductible: stay claims-free and we’ll reduce your deductible by 20% every year.
• Receive discounts for a security system2, having more than one policy with us, and more.
