4 Questions to Ask When Considering Horse Trailer Insurance

If you want to be calm and face a crisis, we suggest you have horse trailer insurance. To make sure you have the right coverage, we suggest you do your research and choose the right provider. Below are some important questions you may want to ask your agent when choosing the best horse trailer insurance. Read on to learn more about horse trailer insurance.

1.Full coverage

This is a common mistake that most horse trailer owners may have. What happens is that the insurance covers only the responsibility, and will not provide coverage in case of theft or damage. Other than this, there will be no coverage if someone else’s property is damaged. In the same way, no claim can be made if a loss occurs by the will of god.

For the protection of your trailer, you may want to ask the insurance agent about collision and comprehensive coverage. Most insurance providers only include an endorsement on your current policy to extend collision and comprehensive coverage. Please note: this will be a minor annual expense.

2. Trailer Content Coverage

Your responsibility is to protect your trailer, as well as the contents it contains. You may want to talk to your insurance agent to find out if the contents of the trailer are also insured, since damage to the contents can also cause a large loss.

Also, you might want to keep in mind that the trailer content includes the gear and equipment, not the horse. If you also want to insure your home, we suggest you contact a local insurance provider.

3. Break

In life, we learn many things the hard way. This can also happen to you. For example, some insurance providers may have your vehicle towed immediately if it breaks down; however, they will not provide highway service.

Having a horse trailer on the side of the road is stressful, especially if you have no way to transport it to a safe area. Therefore, we suggest that you ask your insurance provider if your horse and trailer are covered for breakdown services. If they do not provide this service, you may want to consider another insurance provider.

4. Parked Vehicle Coverage

It’s true that most trailer problems happen on the road, but they can happen anywhere. So you may want to find out if your insurance agent provides coverage for fire, storm damage, theft, and fire, especially if you’ve parked your trailer somewhere.

Also, you may not want to forget to ask if you will get coverage if your trailer is damaged on someone else’s farm or property.

So if you’ve been thinking about getting a horse trailer insurance policy, we suggest you consider all the relevant things. The thing is, you may want to get as much coverage as possible so you don’t end up taking a big loss.