Protecting your trailer investment — from utility and cargo trailers to horse and boat trailers. We find the right coverage so your equipment is protected on the road and at home.
Trailer insurance protects utility trailers, cargo trailers, horse trailers, boat trailers, and other towed equipment against damage, theft, and liability. In Texas, your auto policy typically provides liability when your trailer is attached — but it does not cover physical damage to the trailer itself. A standalone policy fills that gap. Whether you use your trailer for work, hauling livestock, or transporting equipment, it represents a real investment that deserves proper protection.
Trailer insurance policies can be tailored to your specific trailer type and usage. Common coverage options include the following.
Covers bodily injury and property damage you cause to others while towing your trailer. This is typically extended from your auto policy but may need to be verified or increased.
Pays to repair or replace your trailer if it is damaged in an accident — whether a highway collision, jackknife, or rollover while being towed.
Protects against non-collision events including theft, vandalism, fire, hail, flooding, and falling objects. Essential for trailers stored outdoors.
Covers towing, flat tire service, and emergency assistance if your trailer breaks down or becomes disabled on the road.
Protects the contents being transported inside your trailer — tools, equipment, merchandise, or personal property — against damage or theft.
Specialized coverage for horse trailers and livestock haulers that protects the animals being transported in addition to the trailer itself.
If you own any type of trailer, you should consider a dedicated trailer insurance policy. Your standard auto insurance only provides liability coverage while the trailer is hitched to your vehicle — and even that coverage may have gaps depending on the trailer size and weight.
Common trailer types that benefit from dedicated coverage include:
If your trailer is worth more than a few hundred dollars, the cost of insuring it is almost always less than the cost of replacing it.
COMMON QUESTIONS
Answers to the questions we hear most from trailer owners.
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Tell us about your trailer and how you use it, and we will find the right coverage at the best price. No obligation, no pressure — just a straightforward conversation with a local expert.
