Trailer Insurance

What Does Trailer Insurance Mean?

Trailer insurance is a type auto insurance that protects the policyholder from damages to trailer contents or damages caused to another while using the trailer. Often, car insurance would cover a trailer, but it generally only offers liability coverage. For more comprehensive coverage, those who often use a trailer can benefit from trailer insurance. Owners of larger towables, like motorhomes and travel trailers, often pick up a separate policy for the same reason, and coverage details for those bigger units are explained in our breakdown of RV insurance in Florida.

Insuranceopedia Explains Trailer Insurance

The coverage trailer insurance may offer includes the following:

• Liability: costs associated with property damage or bodily injury caused to others. Picking the right liability limit on a trailer policy follows the same logic as picking it for a car, and we cover that in our guide to how much liability insurance you need.
• Comprehensive: repair costs for damage due to severe weather, fire, theft or vandalism.
• Collision: repair costs due to traffic accidents.
• Contents: protects against the risk of damage to personal items being transported in the trailer.

How those last two coverages work side by side is something a lot of trailer owners ask about, and our guide on comprehensive car insurance vs. collision insurance walks through the differences.