Forums59
Topics1,037,811
Posts13,934,937
Members144,150
|
Most Online39,925 Dec 30th, 2023
|
|
Insuring your trailer(s)
#13818220
12/24/20 03:54 PM
|
Joined: Apr 2009
Posts: 29,990
Moto-Moto
OP
TFF Guru
|
OP
TFF Guru
Joined: Apr 2009
Posts: 29,990 |
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
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
|
Joined: Sep 2008
Posts: 120,568
hopalong
Pescador Loco
|
Pescador Loco
Joined: Sep 2008
Posts: 120,568 |
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 TexDawg 99,999 FJB! not my president by a long shot!
lake fork FISHERMANS COVE MARINA/reservations - 903 474 7479
|
|
Re: Insuring you trailer(s)
[Re: Moto-Moto]
#13818243
12/24/20 04:05 PM
|
Joined: Feb 2015
Posts: 5,200
kennerdude
TFF Celebrity
|
TFF Celebrity
Joined: Feb 2015
Posts: 5,200 |
I never have but a good idea moto especially with what y’all have invested.
NIL CARBORUNDUM
|
|
Re: Insuring you trailer(s)
[Re: hopalong]
#13818249
12/24/20 04:08 PM
|
Joined: Apr 2009
Posts: 29,990
Moto-Moto
OP
TFF Guru
|
OP
TFF Guru
Joined: Apr 2009
Posts: 29,990 |
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
|
Joined: Mar 2003
Posts: 3,627
PowerLizard
TFF Team Angler
|
TFF Team Angler
Joined: Mar 2003
Posts: 3,627 |
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
|
Joined: May 2002
Posts: 81,480
Bob Davis
Bunkeroid Bob
|
Bunkeroid Bob
Joined: May 2002
Posts: 81,480 |
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.
Foxtrot Juliet Bravo
|
|
Re: Insuring you trailer(s)
[Re: Moto-Moto]
#13818302
12/24/20 04:47 PM
|
Joined: Mar 2008
Posts: 61,004
LoneStarSon
Private Dancer
|
Private Dancer
Joined: Mar 2008
Posts: 61,004 |
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 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
|
Joined: Nov 2010
Posts: 7,714
Gixxer1k
TFF Celebrity
|
TFF Celebrity
Joined: Nov 2010
Posts: 7,714 |
I defer all things trailer to our sooner friends.
|
|
Re: Insuring you trailer(s)
[Re: Gixxer1k]
#13818342
12/24/20 05:27 PM
|
Joined: Sep 2008
Posts: 120,568
hopalong
Pescador Loco
|
Pescador Loco
Joined: Sep 2008
Posts: 120,568 |
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 TexDawg 99,999 FJB! not my president by a long shot!
lake fork FISHERMANS COVE MARINA/reservations - 903 474 7479
|
|
Re: Insuring you trailer(s)
[Re: Moto-Moto]
#13818371
12/24/20 06:05 PM
|
Joined: Mar 2015
Posts: 5,413
TCK73
TFF Celebrity
|
TFF Celebrity
Joined: Mar 2015
Posts: 5,413 |
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
|
Joined: Jan 2018
Posts: 2,561
Jeff From Iowa
Extreme Angler
|
Extreme Angler
Joined: Jan 2018
Posts: 2,561 |
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.
|
|
Moderated by banker-always fishing, chickenman, Derek 🐝, Duck_Hunter, Fish Killer, J-2, Jacob, Jons3825, JustWingem, Nocona Brian, Toon-Troller, Uncle Zeek, Weekender1
|