Do I need insurance for my horse trailer?

I own a farm and will need to start transporting my horses. Do I need horse trailer insurance?

Answer
“If you’re going to be transporting your horses, it is recommended to have horse trailer insurance.
While your liability car insurance will cover any accidents or injuries you cause while on the road with your trailer, you’ll need a special policy if you’d like to protect it from damage, theft, or vandalism.
With some companies, this typically falls under trailer or RV insurance. Trailer insurance is insurance for a trailer that transports goods. This can be anything from food to ATVs. You may also be able to get a specialized horse trailer policy.
Most trailer policy coverages include:
If you’re unsure of what coverage you may need or what policy is right for you, you should reach out to your current insurance company. An agent will be able to help guide you through the process. If they offer trailer insurance, you can likely bundle your policies together.
You can also shop around and request quotes from various companies. Not every company offers trailer insurance, so you may need to look around before settling on a policy that’s right for you.
If you plan to bundle your policies, tools like Jerry can save you time and money! We’ll get you customized quotes from multiple different providers so that you can choose the plan that works best for you—and if you decide to switch to a new provider, we can help with that, too! That way, you can let us take care of the time-consuming stuff and focus your energy where it matters: on your farm and your horses!”
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Emily Maracle
Answered on Sep 01, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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