If you’ve ever hauled a trailer behind your vehicle, you may have wondered whether your auto insurance fully covers you. Whether you’re towing a small utility trailer, a boat, or even a camper, it’s important to know what protection you have in case of an accident or damage. At McCluskey Insurance Services LLC in Cincinnati, OH, we help drivers understand their policies so they’re never caught off guard.
Is Your Trailer Covered Under Your Auto Insurance?
In many cases, a trailer may have some coverage under your existing auto insurance policy, but the extent of that coverage depends on the specific terms of your policy. Liability coverage from your vehicle’s insurance often extends to a trailer you’re towing, which means if the trailer causes damage to another vehicle or property, your policy may help cover the costs. However, that doesn’t necessarily mean the trailer itself is protected.
If you want full protection for your trailer, including collision and comprehensive coverage, you may need to purchase a separate policy or add an endorsement to your existing one. This ensures that you won’t be left covering the repair costs if your trailer is damaged in an accident, stolen, or harmed by weather-related incidents.
What About the Items You’re Towing?
Even if your trailer is covered, the items you’re towing—such as a boat, ATV, or equipment—may not be included under your standard auto policy. These often require their own insurance policies for full protection.
Before you hitch up and hit the road, ensure you have the right coverage. McCluskey Insurance Services LLC in Cincinnati, OH, can help you find the best policy to protect your trailer and everything on it. Contact us today.
