Why not add it to your vehicle coverage that will be pulling it? I write a lot of estimates for damaged trailers, and it can vary from state to state, definitely check with your car ins. agent and also with your homeowners ins. agent as it changes. ie; your car insurance may not cover it if a tree falls on it. Or if you are a contractor and your trailer is damaged or broken into on the job site. Many variables to consider check them all out before towing. I have seen too many people with big money wagons lose out just because they didn't check their policies.
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.
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.
Be Careful... These Utilty trailers are unsafe as they have a habit of comming uhiched if you do not know what you are doing. Please Go to www.dangeroustrailers.com for more. In addition in my State you need to have either two reflectors or 8 feet of reflective tape on the back because the lights do not always work. So if you do not have tape or reflectors on the back in Virginia you can be subborgated against. from http://www.firsteagle.com/ait.htm You would have to check your policy (see disclaimer notice below)... Your insured car means: The vehicle described in the Declarations of the policy or any private passenger car with which you replace it. You must advise your insurance company within a specified period mentioned in your policy of any change of private passenger car or utility car. Any additional private passenger car or utility car of which you acquire ownership during the policy period. Provided that you notify your insurance company within specified period mentioned in your policy of its acquisition. Any utility trailer: a. That you own, or b. While attached to your insured car. Any private passenger car, utility car or utility trailer not owned by you or a family member while being temporarily used as a substitute for any other vehicle described in this definition because of its withdrawal from normal use due to breakdown, repair, servicing, loss or destruction. Disclaimer notice: Above mentioned terms and definitions are not intended to replace or be the exact explanation of the definitions or conditions of your policy, they are merely for general information purposes. For exact definitions and conditions applying to your auto insurance, please refer to your auto insurance policy agreement.
In dealing with a towed trailer, the liability coverage will extend from the vehicle towing to the trailer being towed but the physical damage coverage does not extend. This means that if you are backing up at a fuel station and the trailer backs into another vehicle then the liability will cover the damage done to the other car that is damaged by the trailer. Any damage done to the trailer itself will not be covered.
Unless you wish to may for replacement of the trailer out of your pocket in case of an accident then yes. Talk to the rental company and purchase the collision damage waiver coverage that they provide. Your liability insurance coverage will extend to the trailer so if you back it into a parked car at a gas station your auto insurance will pay for damage to the car you hit. Your auto policy will not pay for damage to the trailer itself. The rental company will have coverage for the trailer itself but your agreement most likely will specify the deductible that you are responsible for in case of damage. They will sell you a deductible damage waiver to cover this deductible for a few dollars per day extra. It is you decision but most likely you will have no coverage for this damage on your auto policy and you cannot add the trailer to your policy because you do not own the trailer.
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