Trailer Insurance question

[BStoecker]

I am trying to find insurance to cover any damage to my 37' gooseneck car hauler. I am insured through Progressive for my truck and Jeeps, but they won't write a policy on a trailer like this. However, under their auto policy I am covered for liability and for $500 in damage to the trailer as part of my policy. But, I want to try to secure insurance to cover the repair or replacement cost if the trailer is destroyed in an accident. I only plan to carry my own Jeeps, my girlfriend's Jeep, and some occassional favors for friends. If possible I would like to have coverage that includes any vehicle that I may be carrying on the trailer, but I don't know if anyone will touch that or not without going the commercial insurance route. I assume that will be cost prohibitive though.



Any suggestions for insurance companies to check with?

 

[RustyJC]

It's no problem (but not cheap) to get collision and comprehensive insurance for stated replacement value on our 5th wheel RV from State Farm. I don't know how they would handle a gooseneck car hauler - it might be hard convincing them that it's non-commercial and only for personal use.



Rusty

 

[BStoecker]

I guess I could always email them pictures of the Jeep...

 

[y-knot]

There is a huge difference between the way the insurance companies handle a RV as opposed to a Enclosed/car hauler type trailer. RV's a much simpler to insure because they have a none value. They come equipped from the factory with a certain trim level, and mostly anything else you would put into the trailer would be personal items like clothing, food and so forth. Enclosed trailers are very different, they may or may not haul the same thing every time they go out on the road. Their weight is also their fore most likely to be different as well. Many people, myself included, add additional options,parts,and tools after they take delivery of the trailer which can greatly affect it's worth and make it's value hard to asses. I have always insured by trailers (one stolen) threw my present carrier, Allstate. My agent has gotten use to it now, but he had never written a policy before I came along. I can not imagine being on the road and not having the trailer insured it would just be too big of a risk. They don't seem to mind writing a policy for liability and comprehensive insurance, but they will not write one for the contents. They refere to contents as meaning, anything that is not bolted or permanently fastened to the trailer. I added quite a bit to my trailer after I took it's delivery, and most of that will be covered. But anything like cars, jeeps, ATV's, parts, tools will not be covered. And most cars and trucks have an exclusion in their coverage that does not cover them when transported, so check it out. When we were running show cars and race cars, I checked into insuring them, but it was just to expensive to do. Most want a 5th to a 4th of the value to cover them, that just makes it too high for most. There is alot of trailers stolen every year, it has gotten so bad, that it almost makes you think twice about taken your car and family on the road while hauling. I never liked that feeling of being un-secure and in strange territory. It is not hard to have 150,000-200,000 dollars going down the road while towing, it's like a huge billboard saying come and get me.

 

[SSage]

Allstate will cover my trailers. Its full coverage, I get it for the theft. I use Allstate for the trucks and trailers. They use the sales price as a starting point.