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Trailer Insurance: Is It Really Required?

Feb 25, 2008
Do you really need trailer insurance? Well, while it is not required by law to have insurance for your trailer, it is probably a good idea for many different reasons. Trailer insurance is ideal for any trailer that you have to tow or haul behind your automobile. So, you might be saying, if it is not required by law, why should I even consider taking on another bill?

There are many different reasons that trailer insurance might be ideal for you and should definitely consider. Think about your trailer. How expensive was it? In most cases, a trailer for any reason hauling livestock or equipment, is likely to be extremely expensive. For instance, if you were to have a custom trailer built specifically for you and your needs, you might have paid more than $50,000. That's a great deal of money.

What happens if you get into an accident? That valuable trailer may get totaled and then what? You are left without a trailer and your investment money is down the drain essentially. In other words, you have just paid a great deal of money for a pile of junk that you can no longer use.

There we are talking about the trailer itself, that is not to mention the items inside the trailer. What do you haul in your trailer? Livestock? Show animals? Equipment? Well, now how much are these items worth? If you are looking at thousands of dollars in worth, why would you not protect those items and valuables?

Of course, if you have the money to spare and are not worried about losing your investments, by all means avoid any type of insurance. Most of us are not in that boat and need to be seriously considering trailer insurance.

This type of insurance can provide you with coverage against loss and damage. It will cover the trailer itself, as well as any contents within the trailer. This might include coverage for accidental damage, water damage, weather damage, or even criminal damage or theft. No trailer should be left without insurance, just as no vehicle should as well.

In some cases, your homeowners insurance or car insurance might provide coverage for the trailer, but this is not always the case. If this is the case for you, then considering trailer insurance is your best bet. Protect your investment from all types of incidents and have the peace of mind you deserve today.
About the Author
Mike Schantz is Co-owner in 2 different trailer manufacturing companies. He has served the trailer industry for over 25 years specializing in design and engineering. You can read more about him as well as trailers and trailer related information at http://www.trailer411.com
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