If you have a utility trailer, flatbed trailer, enclosed trailer, or other similar general purpose trailer used to haul items, you will usually insure them by adding them to your auto insurance policy. However, it is possible to also purchase a standalone trailer policy.

Special purpose trailers such as boat trailers, snowmobile trailers, motorcycle trailers, and other such recreational vehicles trailers can typically be insured on the same policy as the recreational vehicle.

Key points about insuring Utility and Transport Trailers:

1. Collision Coverage: Protects the trailer against damage or loss due to collisions with cars, objects, even the ground. Such coverage would need to be specifically selected for the trailer.
2. Other-than-Collision Coverage: Protects the trailer against damage or loss due non-collision hazards such as theft, fire, vandalism, and certain natural disasters. Such coverage would need to be specifically selected for the trailer.
3. Liability Insurance: When the trailer is connected to an auto, the auto insurance policy protecting that auto will usually provide liability insurance for damage or injuries caused by the trailer. When disconnected from an auto, liability insurance for damage or injuries caused by the trailer will usually be automatically provided by the owner's home insurance or renter's insurance policy.

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