| But let's look at you. If you're like most folks you | | | | go to get it? |
| probably have an auto insurance policy that has some | | | | Glad you asked. Most separate horse trailer insurance |
| type of trailer towing liability. Think that covers you? | | | | can be purchased from companies specializing in RV |
| Think again. Fact is, most of these policies don't cover | | | | insurance. Many auto companies have coverage |
| things that happen every day -- like fire, theft, | | | | available as well. Like any kind of insurance, it pays to |
| vandalism, and that all-inclusive "acts of God". On the | | | | shop around. |
| other hand, however, if any of these happen on your | | | | Coverage you should be looking for? General liability |
| property they could be covered under your | | | | for certain. Roadside assistance can be very helpful, |
| homeowner's insurance. That's definitely something | | | | especially if you break down in Mudflats, USA. Just |
| you'll want to check. | | | | think what the towing costs would be! |
| So, should you consider adding additional insurance to | | | | Contents and personal items - let's not forget those. |
| your trailer? That depends. If it's a thirty-year old hunk | | | | Think about all the expensive gear you haul around. |
| of rust, probably not. However, if it's relatively new, it | | | | However, in case of loss, most insurance companies |
| was probably pretty expensive. Most trailers are well | | | | require proof of value on big-ticket items. Save those |
| over $50,000. That's certainly an investment you'd | | | | invoices! |
| want to consider covering. | | | | Next would be those non-towing accidents mentioned |
| Then there's what you haul. Most folks use a horse | | | | earlier - the fire, theft, vandalism, and "acts of God," |
| trailer for transporting ... well, horses. So, if you've got | | | | mishaps. And believe it or not, there's still more. Loan |
| $50,000 invested in a horse trailer, chances are those | | | | balance coverage, and total loss coverage. No need to |
| horses you're hauling around aren't exactly cheap | | | | say anything else on those two items! |
| either. I mean you didn't buy the trailer to take them for | | | | When you total it all up, you have a big investment in |
| a ride in the country. | | | | that horse trailer of yours. One way or another, it adds |
| And how about upgrades and additions? Just about | | | | up to ten-of-thousands-of-dollars. So if you were one |
| every trailer I've ever seen had upgrades of one sort | | | | of those folks who thought the coverage on your |
| or another. Depending on how fancy, upgrades can | | | | Dodge Hemi covered all that investment, now you |
| cost quite a bundle. Oh, and least I forget, it's doubtful | | | | know better. |
| (very doubtful) that your auto or homeowners | | | | My advice? The sooner you check horse trailer |
| insurance will cover a loss for any of these items. | | | | insurance out, the better off you'll be. Never know |
| So now you're thinking, "Hmm, maybe I should check | | | | when one of those, "acts of God," is going to ruin you, |
| into some horse trailer insurance." But where do you | | | | and your trailer's day. |