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Member
Posts: 5
Location: Florida | I just bought my first trailer and, since its brand new, started thinking "what if something happens to it?" Can you get them insured, similiar to a car? And do regular insurance companies, such as State Farm, do that or do you have to go through a special company? I have already gotten US Rider, but am insterested in protecting my investment in case of accident, theft, etc. Thanks! |
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Expert
Posts: 1205
 
Location: Arkansas | Yes, ours is insured by State Farm. A seperate policy, all of its own, separate from the trucks. |
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Expert
Posts: 1351
Location: Decatur, Texas | Be sure to shop around and tell them what and how much coverage you want. We had FB before and they wanted to list the lowest amount. Our new policy we actually listed equipment up front just to make sure we was going to be covered incase of theft. (listed number and kind of saddles and equipment and even have pictures). I my opinion nsurance is the cheapest thing you can buy so get enough to start with. |
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 Elite Veteran
Posts: 662
Location: Vanzant, Missouri | I have mine insured through State Farm...I think they did it as a camper since there isn't a blue book on horse trailers.  |
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Location: Where the wind comes sweepin' down the plain... | State Farm, Farm Bureau, and Progressive will write seperate trailer policies. I am sure others will too. Definitely shop the price though. |
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Veteran
Posts: 184
Location: Indiana | Both of our trailers are insured on our auto policy. The liability follows the truck- and you add comprehensive/collision coverage-- |
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Elite Veteran
Posts: 714
Location: Minnesota | I have all my insurance with Am. Family. If it is a LQ trailer you will want to insure it as an RV to cover everything in the trailer, i.e. the stove, frig, bed, etc. Relying on your auto policy to cover it does not apply when it is not hooked up in most cases. If you can, try to keep all your policies with one company. That way there is no question of coverage. If you don't there could be nothing worse than company saying we cover the trailer but not the contents, company B saying we will cover the saddles and tack but nothing else, and company C saying we don't cover anything. Also if company C does cover something you could get hit with up to three deductibles! With one company one deductible will take care of everything and with one adjustor. |
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Veteran
Posts: 105
Location: Illinois | genebob gives VERY good advice. Our truck and LQ trailer was hit by lightining this summer. Almost $4,300 damage to the truck and more than$1,200 to the trailer plus $450.00 for two tires that were also blown out. Insurance paid for it all except $8.30 for the wear on the tires. We replaced all four tires but only turned in the two. Had wheel bearings and seals replaced and insurance paid for that as well. |
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Member
Posts: 11
Location: Minnesota | I have comprehensive/collision through American Family - with my auto coverage. If you have a loan out on your trailer, the loan company requires insurance.
Edited by linds 2009-02-12 4:22 PM
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Expert
Posts: 1351
Location: Decatur, Texas | We had to get a liability policy as well since our truck is a factory cab n chassis every insurance company we called would not list it as a personal policy, had to go com. policy and had to insure every trailer we haul because the com. policy does not cover liability for the trailers..... Not fun! Was told this might change, have not heard yet. |
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Expert
Posts: 3853
Location: Vermont | Originally written by hogtownboss on 2009-02-12 10:12 PM
We had to get a liability policy as well since our truck is a factory cab n chassis every insurance company we called would not list it as a personal policy, had to go com. policy and had to insure every trailer we haul because the com. policy does not cover liability for the trailers..... Not fun! Was told this might change, have not heard yet. If you are ex-miltary...USAA will insure a C&C unit, but only after you have decided what you are going to add...dump body, flat bed, whatever...Here is what my 2007 GMC C&C looks like now... |
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Extreme Veteran
Posts: 317
Location: Barnesville, Ga. | When we were shopping for trailer insurance our home and car carrier gave us a really high rate since they don't normally insure these types of trailers. LQ trailers must be a different kind of thing for them. I took the advice of a friend and insured mine with a RV carrier. They were much more knowledgeable of the coverage we needed and were reasonably priced. Our carrier is National Interstate. Good Luck.
Edited by tom-tom 2009-02-13 6:59 AM
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Veteran
Posts: 134
| I have my living quarters insured with progressive. They are very reasonable and it is insured for full replacement cost. That is something that is necessary especially if you have a loan on it. good luck |
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Location: KY | Paul
That is one pretty truck! |
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Expert
Posts: 1351
Location: Decatur, Texas | We did not know about the C/C having to be commercial until after we bought the truck. We went to buy a new 08 F-450 with the factory dually bed and was told even if it has a factory installed dually bed the F-450 was still a commerical vehicle! Went with another Dodge but wanted the larger transmission, higher gvw so I bought the C/C 3500, the day before my (old) insurance man told me as long as I stay with a 1-ton I would not have to go commerical. Man was he wrong!  Not sure if you can see, but here is my "commercial truck".
Edited by hogtownboss 2009-02-13 11:20 PM
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Trailer insurance
