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What auto insurance do you need for your horse trailer and truck

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Auto insurance, like any insurance, is a product that few people are interested in -- you need to have it, but hope you never use it. If you are towing a horse trailer, you need to be extra careful about the auto insurance coverage you have to make sure that it meets your needs.

Understanding your coverage

Auto insurance is divided up into 3 main types of coverage: Liability, collision and comprehensive insurance. Each type of coverage protects you from different sitations.

Liability auto insurance pays damages to others when you cause an accident. Liability auto insurance is important because it can help protect your assets in the unfortunate event that you damage someone else's property or injure someone as the result of a collision.

Collision auto insurance pays for damage done to your car in a collision with another vehicle or an object.

Collision auto insurance pays for damage done to your car in a collision with another vehicle or an object.

Comprehensive coverage will cover your car in the event that your car is damaged by a flood, is stolen, damaged by animals, or damaged in a fire. Comprehensive coverage doesn't pay for damage done to your car in a collision.

Does your truck insurance cover your trailer?

Generally speaking, even if you have collision or comprehensive auto insurance coverage, your auto insurance policy will not cover damages caused to your trailer. These coverages usually extend only as far as your bumpers.

While in tow, however, your automobile liability insurance should cover any damages you cause in an accident. So, if you accidentally back your trailer up into another car, your insurance should pay to have the damage repaired on the car you hit. To be sure that this is the case, you should call your auto insurance agent and ask them about how your coverage works when towing your horse trailer.

If your trailer is not being towed (or is not hitched to a tow vehicle), your auto liability insurance will not be in effect. This means that if you forget to chock the wheels and the trailer rolls down a hill into a parked car, you will have to pay for the repairs yourself. Check with your homeowner's insurance carrier to see if you have any coverage for liability if your trailer causes damage when not attached to a tow vehicle.

What additional auto insurance do you need?

If your trailer is financed, or more expensive than you would be able to afford replacing, you should consider purchasing an additional insurance policy to cover collision and comprehensive damage specifically to your trailer. Make sure that the policy not only covers your trailer, but the contents of your trailer -- you may have several thousands of dollars of tack in your tack room that could be ruined in the event of a trailer fire.

If you trailer your horses, you may want to seriously consider an umbrella liability insurance policy. These policies do not take effect until after a certain amount of damages have occurred (usually the liability limits of your auto insurance policy). Then, they kick in and cover you for very large amounts, usually one to two million dollars. Because these policies do not cover the every day type accident, they are generally very affordable for the amount of protection they provide.


More About Horse Farm Ownership


Get A Great Mortgage for Your Horse Farm
Tax Advice for Horse Farm Owners
Horse Zoning and Home Owner's Associations
Choose the right fence for your horse farm
In case of Horse Poisoning Call 1-888-426-4435