Does my auto insurance cover my horse trailer?

An auto insurance policy may provide some coverage while a horse trailer is being towed, but it may not provide comprehensive protection for damage to the trailer itself. Coverage varies by policy, so it is important to review both your auto and trailer insurance with an insurance agent.

What does horse trailer insurance typically cover?

Depending on the policy, horse trailer insurance may provide coverage for risks such as collision, theft, vandalism, fire, or certain weather-related damage. Coverage, limits, deductibles, and exclusions vary by insurance carrier and policy.

Does horse trailer insurance cover my horses?

Horse trailer insurance generally protects the trailer rather than the horses being transported inside it. Coverage for the health, injury, mortality, or other risks associated with your horses may require separate insurance. An insurance agent can help you determine what coverage may be appropriate for both your trailer and horses.

– –

Horse Trailer Insurance

Your horse trailer does more than get you from point A to point B—it keeps your horses safe while you're on the road. Whether you’re heading to a show, the stables, or an emergency vet visit, having the right insurance gives you peace of mind every step of the way.

Camper parked with two lawn chairs out in front

What is Horse Trailer Insurance?

Horse Trailer Insurance is specialized coverage that protects your trailer from damage, theft, and liability. It can also cover any built-in living quarters and the valuable tack or equipment stored inside. This is separate from your Auto Insurance, which often doesn’t cover these risks fully.

Why Do You Need It?

Even the safest drivers can’t predict every situation. Without Horse Trailer Insurance, you could be left handling expensive repairs. Horse Trailer Insurance helps cover:

Physical damage from accidents, fire, or weather
Theft or vandalism
Injuries or property damage involving your trailer
Optional protection for tack, gear, or built-in living space

Alumni Insurance Benefits

Insurance benefits for Utah State University Alumni

Utah State Alumni Insurance Benefits

Frequently Asked Questions

What is horse trailer insurance?

Horse trailer insurance is coverage designed to help protect a trailer used to transport horses against certain covered losses or damage. Available coverage can vary based on the type of trailer, how it is used, and the insurance carrier and policy you select.
Does my auto insurance cover my horse trailer?

An auto insurance policy may provide some coverage while a horse trailer is being towed, but it may not provide comprehensive protection for damage to the trailer itself. Coverage varies by policy, so it is important to review both your auto and trailer insurance with an insurance agent.
What does horse trailer insurance typically cover?

Depending on the policy, horse trailer insurance may provide coverage for risks such as collision, theft, vandalism, fire, or certain weather-related damage. Coverage, limits, deductibles, and exclusions vary by insurance carrier and policy.
Does horse trailer insurance cover my horses?

Horse trailer insurance generally protects the trailer rather than the horses being transported inside it. Coverage for the health, injury, mortality, or other risks associated with your horses may require separate insurance. An insurance agent can help you determine what coverage may be appropriate for both your trailer and horses.