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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Mar 6, 2024

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Do I need to insure my trailer?

If your trailer was damaged, stolen, or destroyed, and you had to repair or replace it, you could spend anywhere from a few thousand dollars to well over $50,000 depending on the trailer type. Although no state in the U.S. requires trailer insurance, you still might be wondering if you should insure your trailer.

What does trailer insurance cover?

Now it’s a matter of the question, “Do I need trailer insurance?” becoming, “What type of insurance should I get for my trailer?” Insurance for trailers can vary, depending on what sort of policy you might want.

Boat trailers, moving trailers, camping trailers, and horse trailers are a few examples of trailers that should be insured. Often, trailers are insured through the owner’s auto insurance policy. Check with your auto insurance agent to find out what type of coverage you might be able to get for your trailer. (For more information, read our “Do I Need to Insure My Boat?“).

  • Liability Coverage: This helps cover costs associated with personal injury or property damage you cause.
  • Comprehensive Coverage: This may pay for the cost of repairing your trailer if it is damaged as a result of vandalism, theft, fire, or severe weather.
  • Collision Coverage: If your trailer is damaged due to being in a traffic accident, collision coverage helps pay for the cost of repairs.
  • Content Coverage: This protects personal items being transported in the trailer.

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How much is trailer insurance?

So, how much does trailer insurance cost? Trailers come in different sizes, so the cost for insurance on trailers will vary. For example, you may be able to add a small utility trailer to your car insurance policy for no additional charge. You may end up having to search for utility trailer insurance to ensure you’re getting the right coverage for the right type of trailer. However, it may cost you a few hundred dollars per year to insure a $75,000 horse trailer. Often, bundling your trailer insurance with your car insurance can save you money on your premium.

It’s important to know that if your trailer is used primarily for business purposes, you won’t be able to cover it under your personal car insurance policy. You’ll need to purchase a commercial trailer policy.

When you shop for trailer insurance, you’ll be asked some basic questions, such as the trailer’s make and model, purchase price, age, how it will be used, and the address where it will be stored. Have this information ready before you contact your insurance agent.

If you own a trailer and use it on a consistent basis, having the right coverage is important. Give a knowledgeable agent a call and he/she can help you find the perfect policy to cover your trailer and your car.

The Bottom Line: Do you need trailer insurance?

While you will ultimately need to find coverage for your trailer, it’s up to you what type of protection you end up with and how much you’re willing to spend. Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have.

Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and, “What is the average rate of insurance quotes you offer?

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest.

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Enter your zip code below to view companies that have cheap insurance rates.

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