Is My Trailer Covered Under My Auto Policy?

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​Not sure if your trailer is covered under your auto insurance?

Learn when you're protected — and when you need extra coverage.

✅ Generally, yes — but with limitations.
​If you're towing a personal-use trailer, like a utility trailer, boat trailer, or small cargo trailer, most standard auto insurance policies will extend liability coverage to the trailer while it's attached to your insured vehicle.
This means:

• If your trailer causes damage or injury while being towed, your liability coverage applies.
  
  
  
• This does not cover damage to the trailer itself — only damage it may cause to others.
  

❌ What’s Not Automatically Covered

1. Physical damage to the trailer (collision or comprehensive) – Your auto policy typically does not cover the trailer itself unless it's specifically added to the policy.
   
   
   
2. Detached trailers – If it causes damage while not attached to your vehicle, coverage may not apply.
   
   
   
3. Commercial trailers – If the trailer is used for business purposes, it likely needs a separate commercial trailer policy.
   
   

🛠️ How to Insure the Trailer ItselfTo insure damage to the trailer, you’ll need to:

• Add the trailer to your auto policy or
  
  
• Purchase a separate trailer policy that includes physical damage coverage (collision, comprehensive, theft, etc.)
  
  
  

Premiums are generally affordable for most personal-use trailers.


🛡️ Need Coverage?
At Corin Insurance Group, we can help:

• Confirm whether your trailer is covered
  
  
• Add physical damage coverage for your trailer if needed
  
  
• Ensure you're protected both on and off the road
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Contact us to review your coverage and avoid surprises down the road.

Disclaimer- Coverage is always subject to your policies underwriting guidelines and subject to your carriers approval.