If you are the proud owner of a truck and trailer, you may wonder whether or not your truck insurance will also cover your trailer. After all, you’ve already invested in one insurance policy, and it would be a bummer if you had to shell out for another one for the trailer.
The answer to this question depends largely on the type of trailer you own. Most truck insurance policies will not cover the trailer, but some exceptions exist. This blog will explore the types of trailer insurance and explain which ones are covered under your truck insurance policy.
When it comes to trailers, there are a few different types of insurance that you can purchase. The most common type of trailer insurance is collision and comprehensive coverage. This coverage protects your trailer from damage caused by accidents with another vehicle, vandalism, theft, and natural disasters.
Other types of trailer insurance include liability coverage, uninsured motorist coverage, and emergency assistance coverage. Liability coverage helps to protect you against any third-party damage you may cause while operating your trailer. Uninsured motorist coverage helps to cover any damage that an uninsured driver causes. Emergency assistance coverage helps to cover the costs associated with emergency roadside assistance.
No matter the type of trailer insurance you choose, you will likely have to pay a separate premium. Trailer insurance is typically not included in most truck insurance policies.
Although your truck insurance likely won’t cover your trailer, there are some exceptions. If you are the owner of a recreational vehicle, a travel trailer, or a fifth-wheel trailer, you may get coverage for your trailer under your truck insurance policy.
Recreational vehicles are typically covered under a standard truck insurance policy. This is because recreational vehicles are considered a type of vehicle and thus can be insured under a truck insurance policy.
Travel and fifth-wheel trailers can also be covered under a truck insurance policy, but only if they are used to transport goods or people. If they are being used for recreational purposes, then they will not be covered under your truck insurance policy.
As discussed, some trailers can be covered under your truck insurance policy. However, some types of trailers are not covered. These include:
Utility, enclosed, and flatbed trailers are not covered under your truck insurance policy because they are not considered vehicles. On the other hand, boat trailers are generally not covered because they are considered recreational vehicles.
If you own a recreational vehicle, a travel trailer, or a fifth-wheel trailer that is being used to transport goods or people, then you may get coverage for your trailer under your truck insurance policy. On the other hand, utility trailers, enclosed trailers, flatbed trailers, and boat trailers are not typically covered under truck insurance policies.
Suppose you have any questions about whether or not your truck insurance policy covers your trailer. In that case, don’t hesitate to contact us for best insurance plans. Anderson Insurance can help you find the best coverage for your truck and trailer.
