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  If it Ain't a Paint it Ain't!
Posts: 8519
   
Location: Mansfield, Tx | Can you tell me who you use to cover your Horse trailer ?
I currently have my horse trailer on my auto policy but the rates keep going up and I'm starting to look for another provider but not everyone will insure a horse trailer.
So, I'm looking to find someone to provide coverage on my horse trailer only.
Thank you in advance... |
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 Veteran
Posts: 232
 
Location: Winging It in KY | Farm Bureau. Had mine with them since I bought it. |
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Hungarian Midget Woman
Location: Midwest | Nationwide |
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If it Ain't a Paint it Ain't!
Posts: 8519
Location: Mansfield, Tx | Thank you |
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 Expert
Posts: 2457
| state farm has been really good to me over the years :) |
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 Living within my means
Posts: 5128
Location: Randolph, Utah | Mine is on our auto policy, I think it's nationwide. My 2013 4 horse logan coach cost me $20 a month, for full converge. |
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 Good Grief!
Posts: 6343
Location: Cap'n Joan Rotgut.....alberta | i have mine on my auto policy as well....runs about 380 a year
m |
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 Elite Veteran
Posts: 1161
| Auto policy.. Dont forget to ask about credits on your policy and or most auto policys are based on your credit rating and driving records if your credit has changed you may want them to rerun it. Farm Bureau will rerun and give the best credit previous or current. Good Luck. |
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 Toastest with the Mostest
Posts: 5712
Location: That part of Texas | I have mine on my auto policy through Progressive. Costs me $10 per month for full coverage. |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | I have mine through farm bureau |
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Extreme Veteran
Posts: 449
| Mine is also with Allied/Nationwide. |
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If it Ain't a Paint it Ain't!
Posts: 8519
Location: Mansfield, Tx | Mine is with Progressive as well and doesn't cost me anything...
But... every freaking 6 months they keep raising my dang rates and I have been with them for 5 years..
I'm about tired of it.. just makes me mad...
But, when I call other companies they don't cover trailers in the auto policy period. Only a hand full of companies carry in on the auto policy.
Plus.. I don't care to have them "checking /looking at credit... " score is good.. just don't like inquires.
Thank you .... |
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Duct Tape Bikini Girl
Posts: 2554
| USAA  |
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 To the Left
Posts: 1865
Location: Florida | On my auto policy with State Farm, also $10 per month. |
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Expert
Posts: 1956
Location: Ky | Been a few years since I insured an LQ trailer but I always used Grange when I did. |
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Veteran
Posts: 170
Location: Texas | Stay away from CREELMAN...... |
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 Angel in a Sorrel Coat
Posts: 16030
Location: In a happy place | Farm Bureau. |
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Extreme Veteran
Posts: 448
Location: lone star state | Ag workers- ft worth |
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 Extreme Veteran
Posts: 359
Location: MS | I have mine insured with Geico so far so good. I have comp and collision with a decent deductible.
Edited by amberturner4 2014-11-08 12:40 PM
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 Hot Dispatcher
Posts: 10185
Location: Utah | Mine is covered under my auto policy with Allstate. |
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 Not Afraid to Work
Posts: 4717
| lindseylou2290 - 2014-11-06 10:43 AM
state farm has been really good to me over the years :)
I second this |
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 Expert
Posts: 2013
Location: Piedmont, OK | I use Farmers for everything. With multiple policies you get bigger discounts. I used to have progressive but your rates start low and increase every 6 months. Its ridiculous. |
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| My husband assumes its covered by the towing vehicle. Is this not true? |
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 Thread Killer
Posts: 7545
| schnitkey - 2014-11-10 4:13 AM My husband assumes its covered by the towing vehicle. Is this not true?
It is. However, you can get a decent policy that covers the value or the trailer and everything in it. |
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 Expert
Posts: 1432
Location: Never in one place long | We have ins on ours through USAA, the same as our auto's and house... super cheap, we pay $5 a month for it. |
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Extreme Veteran
Posts: 333
| schnitkey - 2014-11-10 3:13 AM
My husband assumes its covered by the towing vehicle. Is this not true?
i think only up to $2500 (which probably varies by insurance company).
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 Cute Little Imp
Posts: 2747
Location: N Texas | schnitkey - 2014-11-10 3:13 AM
My husband assumes its covered by the towing vehicle. Is this not true?
Probably, but that only helps if you're in an accident, not if it's stolen or your stuff is stolen out of it.
I've been using Equipment Insurance International for several years. They base your rate off the value of your trailer. Mine has been anywhere from $120-$165, depending on value of the trailer. Luckily I've never had to file a claim, so I don't know how their service is in that aspect. |
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Member
Posts: 47
| I have mine through Equipment Insurance International. It costs $585 year for $50k insured value with $500 deductible. It was a little cheaper through them than putting on my auto policy through Farm Bureau. I have a friend that has hers through Progressive and has had great luck with prior claims. |
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Elite Veteran
Posts: 1074
| We have had trouble insuring ours. Once the insurance company finds out it is a horse trailer, they won't renew our policy. We finally have ours through Foremost, but it runs $155 a month. I would like to pay $5-10 per month instead though. |
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 Elite Veteran
Posts: 700
Location: Driving, Grooming, or Saddling for a Kid! | Agworkers....about $500 a year |
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 The Bling Princess
Posts: 3411
Location: North Dakota | powerstroke power - 2014-11-10 10:00 AM schnitkey - 2014-11-10 3:13 AM My husband assumes its covered by the towing vehicle. Is this not true? i think only up to $2500 (which probably varies by insurance company ).
In ND liability for the trailer follows the vehicle, but you need a policy for physical damage. The contents of the trailer; referring to your tack, should be covered under your personal property on your homeowners policy. |
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 Ace Ventura Pet Detective
Posts: 2411
Location: Wisconsin | schnitkey - 2014-11-10 3:13 AM My husband assumes its covered by the towing vehicle. Is this not true?
Please dont assume your trailer covered..unless its hooked to your truck. I thought the same thing, til my trailer was unhooked and stolen from Louisville, KY Circuit Finals..thats when i was informed it wasnt covered as it wasnt hooked up. I had to pay my 3 month old trailer off on my own!! never got it back |
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Ace Ventura Pet Detective
Posts: 2411
Location: Wisconsin | Ours is covered by American Family along with car insurance. And its 360 a year, but can vary so much with all above posts, as we dont all have the same trailers to compare apple to apples. Your cost will vary with the amount the trailer is worth, etc |
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Extreme Veteran
Posts: 482
Location: Texas, and loving it | Unless you specifically insure your trailer for comp and collision it will not be covered for damages or if stolen. Your vehicle liability covers trailer liability when attached to your vehicle. Most trailer policies are Actual Cash Value policies and will be depreciated in any claim, so make sure the value insured for is high enough. Most companies offer farm equipment insurance. This is usually cheaper than adding to your auto policy. If your trailer has living quarters make sure they insure as a RV unit otherwise the insurance company can deny the claim. It is more expensive but can be worth it. :) |
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Horse trailer Ins. Only - Who do you use?