Does Motorcycle Insurance Cover Your Trailer?

As a responsible biker, you should know the importance of motorcycle insurance. The right coverage can play a meaningful role in your financial security, potentially ensuring you can recover from injuries, repair your bike or manage other monetary losses following accidents and other incidents. However, certain aspects of coverage may be nuanced, such as if you’re seeking to insure a trailer that transports your bike.

Is Trailor Coverage Included in My Policy?

Many standard vehicle insurance policies cover trailers for liability when the trailer is being towed. This means that if you’re towing your motorcycle in a trailer, your auto insurance (i.e., the towing vehicle) may offer coverage, not your motorcycle insurance (i.e., the vehicle in the trailer).

However, if your trailer collides with a person or someone else’s vehicle while it’s not being towed, causing injuries or damage, the liability coverage in your auto insurance might not cover the resulting costs. Additionally, damage to the trailer or its theft wouldn’t be covered without additional insurance. Trailers are considered separate entities and often require additional coverage to fill these gaps.

How Can I Add Trailer Coverage?

To ensure your trailer is financially protected, many insurance carriers may give you the option to add an endorsement or rider to your policy. Purchasing a separate policy specifically for the trailer could also be an option. This additional coverage can financially protect against damage, theft and liability issues related to the trailer. The cost of this add-on will depend on factors such as the trailer’s value, how often you use it and where you store it.

Why Is Coverage for My Trailor Important?

If you frequently use a trailer to transport your motorcycle or other items, ensuring you have a policy with trailer coverage is a wise investment. It can provide peace of mind knowing that both your bike and trailer are covered against many common incidents. Additionally, specialized commercial coverage might be necessary if you use your trailer for business purposes.

We’re Here to Help

Contact Best Buy Auto & Home Insurance Agency Inc. to learn more about motorcycle insurance coverage options or to get a free quote.

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.