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Check your homeowners policy and your vehicle policy, it varies from state to state, and circumstance to circumstance. ie; trailer is parked in your yard and a tree falls on it, or you are a contractor and it is broken into on a job site, or, God forbid, it comes loose from your tow vehicle, and wipes out a farmers prized flock of pygmy goats. Not here to advertise but Nationwide is awesome with trailers.

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Q: Does your car insurance cover a small utility trailer towed behind the car in New Hampshire or do you need special insurance?
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Related questions

In the state of Texas does a utility trailer need insurance?

Some auto insurance policies extend liability to a utility trailer that is towed, but the coverage for the trailer itself may need a special endorsement added to the policy. The cost for this type of coverage is generally very reasonable, and it is recommended that you speak to your agent about covering it.


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If you buy a utility trailer from a dealer do you need to insure it before you take it off of the lot?

In my state the answer is no, as the trailer is covered by your auto insurance. Contact your insurance carrier to find out about your state.


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