When I Trailer My Boat, Is It Covered?

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When I Trailer My Boat, Is It Covered?

By: Boater's Choice Insurance
When I Trailer My Boat, Is It Covered?

When I Trailer My Boat, Is It Covered?

If you’re one of the roughly 25 million boat owners in the U.S., you may need to trailer  your boat on occasion. If so, you want to know whether your boat trailer is covered by your current insurance plan. The last thing you'd want is to experience an accident and not get any help from your insurance carrier.

Are you wondering if you need more coverage? Keep reading to learn whether you need trailer boat insurance or if it's already covered by your auto or boat policy.

Is Your Current Coverage Enough?

When it comes to coverage, boat trailer insurance can be a gray area. The good news is there are some boat insurance plans that can cover your boat even if it's on a trailer. As for the trailer itself, this could already be covered by your current auto insurance plan. But you want to be sure.

That’s why – before you trailer your boat – it’s important to call your insurance agent and confirm your coverages. This is especially helpful since coverage not only fluctuates from provider to provider but also from state to state.

Do You Need Specific Boat Trailer Insurance?

In most cases, trailer insurance specific to boats isn't a requirement. Once you've spoken with your insurance provider, you can have more accurate information to rely on. If they tell you that a boat trailer isn't covered in your plan, then you can either expand your plan or get separate insurance coverage altogether.

The good news is that Boater's Choice can provide you with all the boating coverage you could ever need. Boaters trust us because we work with our customers to create a customized plan. This can go a long way toward giving you what you need instead of forcing you to pay for what you don't.

With that in mind, you can get insurance for towing and anything else that's necessary for your specific situation.
Are You Maintaining the Trailer?

Don't forget to reduce the likelihood of using your insurance by maintaining your trailer. If it's getting up there in age, it may be a good idea to invest in new tires and other parts for your trailer. 
Are You Ready to Get Trailer Boat Coverage?

Boater's Choice offers a range of plans to suit your needs. From boater liability coverage and physical damage to medical payments coverage and agreed value paid on a total loss; you can always count on us.

If you have questions or would like a quick quote, please don't hesitate to reach out to our team.