Insurance for personal cargo trailer - what's good?

[newbury]

I've a 7x16 cargo trailer we'd like to get insurance on that would cover things like theft, tires, breakdowns when we haul it from Va to Ms. Is there anything respected and available that y'all could recommend?
We had Good Sam, but they don't cover cargo trailers now.

 

[RustyA]

Rider on your homeowner or farm policy? Usually pretty reasonable. Liability on tow vehicle covers the trailer...for liability only. Found out the hard way with a 4 place snowmobile trailer and 4 sleds in a rollover accident.

 

[Rock Crawler]

You'll need to call your car insurance agent and discuss part of what you ask for. When attached to your car or truck the liability to others is automatically extended to the trailer. But... if you turn and bite a tree/pole with it and damage or destroy the trailer.... not covered. You need to add comprehensive to the trailer itself to cover you damaging your trailer.

Triple A (AAA) could cover you for tire changes, but really..... go buy a second spare wheel and tire, go to harbor freight and get a small bottle jack and carry a Harbor freight telescopic 1/2" ratchet, 4" extension and deep well 6 point sockets to fit your trailer and your truck lugs.

As for break downs.... I don't think you'll get an insurance for break downs unless your eligible for an extended warranty. Just wait for your cell phone ring tomorrow and discuss that concept with the spam caller who calls.

I do keep comprehensive in my 3 trailers through Erie Insurance (my life long car insurance company) and it is comically cheap. My cheapest trailer is around $3K to replace and my dump is around $10K to replace, so justifying spending $100 or so a year to add comprehensive is easy to do.

 

[oosik]

Be careful - my State Farm homeowners policy covers - tractor, trailers, implements while ON MY PROPERTY. Off my property - NO coverage for tractor or implements. My auto policy covers the trailer while being towed by my truck when off property.

 

[newbury]

Well I called up my Insurance company (Erie).

Ended up the saleslady talked me into a 3 year (cancel at any time) rate lock, a decent amount of coverage and it cost me about a negative $300, to be applied against our policy.
Glad I called.