If you are towing a utility trailer for short trips to haul a car an ATV or a boat you may want extended trailer coverage.

Do utility trailers require insurance. In order for you to be best protected it is always recommended that you carry a separate trailer insurance policy. Generally vehicles that are towed are not required to be insured separately and as long as the vehicles towing the utility trailers are insured a separate policy is unnecessary. Instead the liability coverage you already have for your tow vehicle will protect you in the event youre liable for injuries or damages while pulling the trailer.

Trailers come in different sizes so the cost for trailer insurance varies. Using a utility trailer for business also comes with some requirements. Or snow removal equipment for example.

If youre towing a trailer that detaches and causes damage to property an accident or harm to someone youll be held financially responsible. Your auto insurance policy will protect you against any damage or injuries youre liable for while pulling your utility trailer but it wont cover any damages to the trailer or the contents inside. 3 days ago 84 People Used See more.

Get Insurance Quotes From AUs Leading Brands in Mins. To be covered for any physical damage to your utility trailer youll need separate utility trailer insurance. The type of insurance coverage you need depends on the type of trailer you own.

But it may cost you a few hundred dollars per year to insure a 75000 horse trailer. These could be a lawn cutting equipment. The Insurance You Need for a Trailer.

Because of the countless situations that may occur with a trailer it is not entirely possible to say that your auto insurance policy will provide liability protection if your trailer causes damages or personal injury. Do I need a separate trailer insurance policy when pulling it with my car or truck. Instead you will need to purchase commercial trailer insurance.