Horse trailer insurance is a must for any horse owner that has a trailer and carries a horse. Whether you are towing a horse for a trail ride, competition, sale, or a weekend getaway, it is a good idea to protect your investment with specialized horse trailer insurance.
Coverage for your equipment and tack
Depending on the type of horse trailer insurance policy you buy, your equipment may be covered in case it is stolen or damaged. This is especially important if you are taking your horse to shows or trail riding with thousands of dollars of tack and equipment in your trailer.
Roadside help and assistance
If your horse trailer breaks down while you are travelling, a horse trailer insurance policy can help find and pay for specialized towing services to get you back on the road. This coverage can be a lifesaver, and it is usually available at a low cost when purchased in combination with other trailer and truck insurance policies.
Accidents and other incidents
As a horse owner, you know that accidents can happen at any time. This is particularly true if you’re driving at high speeds on public roads, towing a horse trailer. In addition, accidents can also occur if you are driving with a loaded trailer, or if your trailer is damaged in a storm.
Liability coverage for your trailer
Some auto or truck insurance policies will offer liability coverage for your horse trailer, but it is rarely enough to cover the full value of your horse trailer and its contents. This is because most policies only cover damage to other vehicles, people, and property in the event of a traffic accident. This is not enough to cover the cost of repairing or replacing your horse trailer and its contents, which can be a very expensive loss.