Some policies will cover your horsebox as standard, while others might offer it as an optional extra for an additional fee.
You can also buy standalone horsebox insurance, which might offer a higher level of protection but could be more expensive than a policy add-on.
If you want to protect your horsebox, we’d suggest comparing a range of horse insurance policies that offer cover with standalone cover to see which works out the best for you.
Owning a horse trailer brings a sense of security when transporting horses, but knowing whether it’s covered by insurance is essential. The short answer: it depends on the type of insurance policy you hold. Coverage for your horse trailer may be part of your auto policy, homeowners policy, or require a separate specialized insurance plan. Here’s what you need to know about horse trailer insurance and the options available.
Types of Insurance Coverage for Horse Trailers
- Auto Insurance: If your trailer is attached to your vehicle during an accident, your auto insurance may cover liability related to the trailer. This means if your trailer causes damage to another vehicle or property while being towed, your auto liability coverage may take care of it. However, this coverage often does not extend to damage sustained by the trailer itself. Comprehensive and collision coverage for the trailer may need to be added separately.
- Homeowners Insurance: In rare cases, your homeowners insurance may provide limited coverage for your trailer if it is parked on your property. This usually only applies to certain scenarios, like damage from a storm or theft, but not while the trailer is in transit. Even then, the coverage limits can be low and might not reflect the full value of your trailer.
- Specialized Horse Trailer Insurance: For comprehensive protection, many owners opt for a standalone horse trailer insurance policy. This type of insurance can cover various risks, including:
- Physical Damage: Coverage for damage to your trailer from collisions, fire, theft, vandalism, or natural disasters.
- Liability: Protection if your trailer causes bodily injury or property damage to others.
- Contents Coverage: Depending on the policy, items inside the trailer, such as tack or equipment, may also be covered.
Factors Affecting Coverage and Premiums
The cost and specifics of horse trailer insurance depend on several factors. These include the trailer’s value, how often and far you travel with it, and the type of horses or cargo you transport. If you regularly travel long distances or to events, you may need broader coverage than someone who only uses the trailer occasionally.
Additional Considerations for Horse Owners
- Emergency Assistance and Towing: Specialized horse trailer insurance often offers emergency towing or roadside assistance. This can be invaluable if your vehicle breaks down or your trailer needs to be towed, especially when horses are on board. Some policies may even cover temporary boarding or care for your horses if you’re stranded.
- Protection for Your Horses: While trailer insurance typically covers the trailer itself, it does not automatically cover injuries to your horses during transit. For that, you may need separate equine insurance or a policy rider that specifically addresses horse transportation.
Reviewing Your Insurance Policy
It’s crucial to review your existing insurance policies to understand what’s covered and what isn’t. Speak with your insurance agent to determine if your trailer is adequately insured. If gaps in coverage exist, consider a specialized horse trailer policy to ensure comprehensive protection.
