Will Auto Insurance Cover A Pull Behind Trailer?

Auto insurance often provides coverage for a wide range of situations involving your vehicle, depending on your policy. From accidents to theft, auto insurance can offer valuable protection. But does it cover your trailer when you hit the road?

Standard Coverage

Standard auto insurance coverage often extends to your pull-behind trailer while it is being towed. For example, your policy may cover damages to the trailer if you are involved in an accident or if it sustains storm damage while you are traveling. However, this coverage typically does not apply to a trailer that is parked at your home. Auto insurance generally only covers your trailer when it is actively being towed.

Exclusions

There are several exclusions and limitations to keep in mind. Property damage limits still apply, which means your policy may not provide enough coverage to fully protect your trailer. It is important to speak with an agent at the Insurance Center of Green Valley to understand the extent of your coverage.

Additionally, your auto insurance likely will not cover items you are hauling on the trailer. The exception is if your policy includes personal property damage coverage, which may extend to cargo. Roadside assistance coverage may also have limitations. While most auto insurance companies offer roadside assistance for standard cars and trucks, they may not include coverage for trailers.

These situations often depend on the insurance company and the specific circumstances. To ensure you are prepared, speak with an agent at the Insurance Center of Green Valley to clarify your coverage before hitting the road. Ask about what is covered and whether your roadside assistance plan includes help for your trailer, such as fixing a flat tire. Contact us today to discuss the details. We proudly serve the Green Valley, AZ area.