Millions of horse owners have horses that require safe transportation to shows, breeding facilities, farms, tracks, parks and more. Getting this job done without any problems requires careful planning and preparation, as well as a solid piece of equipment to haul them in – the trailer. Whether you own a new or old trailer, it’s important to consider the risk of having this expensive investment damaged, lost or stolen. This is why getting horse trailer insurance is a good idea.
When choosing a policy, it’s important to look at all of the options available. The make, model and value of your trailer as well as how it’s stored will influence the cost, as will your driving record, claim history and deductibles. Some insurers may offer discounts for certain things, so be sure to ask about these as well.
Depending on the level of coverage you want, a horse trailer insurance policy can cover all sorts of things from theft and damage to the actual trailer itself, as well as the contents. Some policies will even reimburse the owner for extra expenses that are incurred as a result of an incident covered by the policy, such as lodging, boarding for your horses or trailer rental while the damaged trailer is being repaired.
It’s also possible to include roadside assistance coverage in your horse trailer insurance, which can be a great help if you break down or get stranded while transporting horses. This is especially important if you’re hauling over long distances, as this type of problem can be particularly dangerous for horses and can quickly lead to costly veterinary bills and other expenses.
In addition to coverage for the trailer itself, a policy can also include liability insurance in case you cause property damage while pulling the trailer. This could be something as simple as an accident caused by someone else opening the jockey door onto a car or it might be something more serious, such as if your horse were to run off and injure itself. This type of coverage can be a good idea, as it’s not always included with other forms of insurance, including auto insurance.
If you’re considering purchasing a horse trailer insurance policy, be sure to talk with an experienced agent. They will be able to go over all of your options and help you find a policy that fits your needs. They can also explain any restrictions, limits and exclusions in detail so that you know what to expect from your coverage. They’ll also be able to answer any questions you might have about how to obtain the best value for your money. They will often work directly with the insurance companies to provide you with a customized, competitively priced policy. This helps to ensure that you’re not overpaying for your coverage and that you are getting the full benefits of the policy. This is why working with a knowledgeable independent agent is always the best option.
At Nicholson Insurance, we specialize in finding the best comprehensive equine insurance coverage to horse owners throughout the United States. We understand the unique risks associated with owning and caring for horses. We have the experience and expertise to find the perfect policy that meets your specific needs. We offer a variety of insurance products, including mortality, significant medical, stallion infertility, and loss of use coverage.
