Does Boat Insurance Cover Your Trailer?

Boat owners know that to enjoy their time on the water, they need to be sure their vessel and equipment are financially protected against various hazards boating can offer. A common consideration is whether boat insurance covers your trailer, which also faces risks of damage and accidents.

Boat Insurance Policies

Boat insurance doesn’t necessarily always cover your trailer. However, some boat insurance policies may offer provisions or some coverage for your trailer when transporting your boat. Certain provisions in your policy may cover your trailer in incidents such as theft or damage; however, this may not be included in all cases, so it’s crucial to check with your insurer to determine what exactly is and isn’t covered. Without proper coverage for your trailer, you may need to cover any repairs or replacements out-of-pocket.

Other Insurance Options

Like any other vehicle or similar asset, a trailer is susceptible to damage or theft, especially when transporting your boat. Should your trailer cause an accident while towing your boat, your auto liability insurance may cover third-party damages depending on your policy. However, damage to the trailer itself would not be covered by your auto insurance.

If your trailer is damaged or stolen while parked on your property, your homeowners policy may help repair or replace it—but this is not guaranteed and depends on the coverage you choose.

The possible gaps of homeowners, boat and auto insurance regarding your trailer highlight the importance of understanding how your trailer is covered and by which policies.

Contact Us

It can be challenging to understand the coverage you may have on your boating trailer. The professionals at Kris D Rogers & Associates in Woodstock, Georgia, can help you understand the coverage your current policies offer and guide you in your trailer insurance options. Contact us today for more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.