Horse Trailer Insurance
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Do I really need separate horse trailer insurance?
Yes! Auto insurance may not cover damage to your trailer, and home insurance won’t protect it while on the road. Horse trailer insurance covers damage, theft, liability, and more.
2. What does horse trailer insurance cover?
Most policies include:
Collision coverage – Pays for repairs if your trailer is damaged in an accident.
Comprehensive coverage – Protects against theft, fire, vandalism, and weather damage.
Liability coverage – Covers damages or injuries your trailer causes to others.
Roadside assistance – Helps with flat tires, towing, or breakdowns.
Is my trailer covered if it’s stolen?
Yes! If you have comprehensive coverage, your policy can reimburse you for a stolen trailer. Without it, theft is not covered.
Does my policy cover the horses inside the trailer?
No. Standard trailer insurance only covers the trailer itself. You’ll need equine insurance for horse injuries or veterinary costs from accidents.
What if my trailer is damaged while parked?
If you have comprehensive coverage, your policy will pay for damage from storms, vandalism, or other unexpected events—even if your trailer isn’t in use.
Am I covered if my trailer breaks down on the road?
Many policies offer roadside assistance, which covers towing, flat tire repair, and emergency services to get you back on the road.
Will my policy cover a rental or borrowed horse trailer?
Some policies offer temporary trailer coverage for rentals, but you may need an additional policy for full protection.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Horse Trailer Insurance Coverage
We offer the following options;
- Collision Coverage – Pays for repairs if your trailer is damaged in an accident.
- Comprehensive Coverage – Protects against theft, fire, vandalism, and weather-related damage.
- Liability Coverage – Covers damages or injuries your trailer causes to other people or property.
- Roadside Assistance – Covers towing, flat tires, and emergency repairs if your trailer breaks down.
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Total Loss Replacement – Pays for a brand-new trailer if yours is totaled in a covered event.
- Detached Trailer Coverage – Protects your trailer even when it’s not attached to a vehicle.
- Trailer Contents Coverage – Covers equipment inside the trailer, like tack, saddles, and gear (but not horses).