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Insuring your trailer(s) #13818220 12/24/20 03:54 PM
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Moto-Moto Online Content OP
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Do you guys do this? I just called my agent about insuring our race trailer as I've seen several burn or damaged lately. I don't remember insuring my camper when I had it eek

Last edited by Moto-Moto; 12/24/20 04:07 PM.
Re: Insuring you trailer(s) [Re: Moto-Moto] #13818240 12/24/20 04:04 PM
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hopalong Online Confused
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if it is attached to a vehicle it is covered, separate rider for while it sits.

my trailer at fork is not worth what they want to insure for total loss.


" Hop, set the hook"!
hopalong 99,999
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lake fork FISHERMANS COVE MARINA/reservations - 903 474 7479
Re: Insuring you trailer(s) [Re: Moto-Moto] #13818243 12/24/20 04:05 PM
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kennerdude Offline
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I never have but a good idea moto especially with what y’all have invested.


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Re: Insuring you trailer(s) [Re: hopalong] #13818249 12/24/20 04:08 PM
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Originally Posted by hopalong
if it is attached to a vehicle it is covered, separate rider for while it sits.

my trailer at fork is not worth what they want to insure for total loss.


the part that I didn't think about is while it sits.....especially now that I don't have a shop to put it in.

Re: Insuring you trailer(s) [Re: Moto-Moto] #13818288 12/24/20 04:36 PM
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PowerLizard Online Content
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The trailer is only covered for liability while it is hooked up to the tow vehicle. If you cut a corner too sharp and run something over, your tow vehicle policy will cover damage to whatever you ran over. It will not cover damage to the trailer.
You probably want a trailer rider policy to your house policy to cover your trailer and contents for a specified value. This would cover your go-carts and tools if someone uninsured rear ends you on the highway and you end up spilling your trailer contents all over the place. It would also cover you for theft.

If you do get a trailer policy, keep a spreadsheet of values (trailer, go carts, spare parts, hand tools, welder, etc.) and pictures of the items including and VIN and serial numbers. It will make filing an insurance claim and/or police report much easier. Make sure the policy is for replacement value. Half of your hand tools are probably older than your kids and will last a lifetime. You want them to replace the tools at current cost, not depreciate them.

Re: Insuring you trailer(s) [Re: Moto-Moto] #13818300 12/24/20 04:46 PM
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Bob Davis Online Content
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With USAA our Winnebago RV is listed as a vehicle on our Auto Policy. It is insured as a separate "vehicle" even though it is a pull behind, and runs about $1200 per year.

Last edited by Bob Davis; 12/24/20 05:23 PM. Reason: oops $100 for 6 months, $200 yr.

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Re: Insuring you trailer(s) [Re: Moto-Moto] #13818302 12/24/20 04:47 PM
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Originally Posted by Moto-Moto
Do you guys do this? I just called my agent about insuring our race trailer as I've seen several burn or damaged lately. I don't remember insuring my camper when I had it eek


An 18 foot trailer we had for hauling the little Kubota, yes. The 10 foot utility trailer, no.

Re: Insuring you trailer(s) [Re: Moto-Moto] #13818322 12/24/20 05:07 PM
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Gixxer1k Online Content
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I defer all things trailer to our sooner friends.

Re: Insuring you trailer(s) [Re: Gixxer1k] #13818342 12/24/20 05:27 PM
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Originally Posted by Gixxer1k
I defer all things trailer to our sooner friends.



need a new house? I can get ya a heck of a deal on one, you pick up tho.


" Hop, set the hook"!
hopalong 99,999
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Re: Insuring you trailer(s) [Re: Moto-Moto] #13818371 12/24/20 06:05 PM
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TCK73 Offline
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I insure all of mine, boat, both flatbeds, two cattle trailers, the welder trailer, and it comes out to about $400.00 +/- per year. It is lumped in with the tractors and equipment. Trailers get stolen a lot, so I thing it’s worth it.

Re: Insuring you trailer(s) [Re: Moto-Moto] #13818548 12/24/20 08:28 PM
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Jeff From Iowa Offline
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Had my enclosed race trailer insured, it paid off when I got rear ended years ago.

It wont cover the vehicle inside if it can have its own policy just fyi.

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