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Horse trailer insurance

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Last activity 2018-01-12 12:49 PM
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merdth6
Reg. Jun 2009
Posted 2018-01-11 12:41 PM
Subject: Horse trailer insurance



Expert


Posts: 2335
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Location: IL
 I have a LQ featherlite trailer and the insurance on it is too high.  I have it thru Travelers along with my vehicles and house insurance. It seems very high, it's acutally more to insure the trailer then the truck that pulls it.  What insurance companies do you guys use?  I have to have insurance on it, as we do have a loan on it. It over $600 every 6 months with a $1000 deductable. 
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RedHead84
Reg. Dec 2014
Posted 2018-01-11 12:55 PM
Subject: RE: Horse trailer insurance



Elite Veteran


Posts: 889
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We have Pekin.

My '14 truck, a flatbed trailer and a '17 Sundowner are about $1200/year combined. Although, I am going to shop around this year just see what's out there.
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tracies
Reg. Jan 2010
Posted 2018-01-11 1:33 PM
Subject: RE: Horse trailer insurance


Expert


Posts: 1280
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Location: Texas
I added on to my Allstate policy (I have Auto, and home owners) for $65/mo. 2018 Sundowner 3H LQ
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FLITASTIC
Reg. Jun 2012
Posted 2018-01-11 1:40 PM
Subject: RE: Horse trailer insurance



Expert


Posts: 5293
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I use progressive for my LQ and have 40K coverage and contents for 175.00 a year.
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streakysox
Reg. Jul 2008
Posted 2018-01-11 2:12 PM
Subject: RE: Horse trailer insurance



Take a Picture


Posts: 12841
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Try Farm Bureau. I didn't have much luck with them but maybe you can.
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dashnlotti
Reg. Aug 2009
Posted 2018-01-11 4:35 PM
Subject: RE: Horse trailer insurance



Off the Wall Wacky


Posts: 2981
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Location: Louisiana
We have ours on our auto policy with State Farm. It's an older Exiss with full coverage insured for replacement value (I think we had settled on $18,000 with our agent) and it's CHEAP, like $20ish/month. Cheap enough that when I pay off the small loan I took out for it I will keep full coverage on it.
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kwanatha
Reg. Dec 2003
Posted 2018-01-11 7:02 PM
Subject: RE: Horse trailer insurance


Meanest Teacher!!!


Posts: 8555
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Location: sunny california
your deductable is too low. generally if you opt for $1000 deductable you will get a way better rate. so much so that you could have banked that $900 a couple times over in a few years. 
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rodeomom3
Reg. Dec 2007
Posted 2018-01-11 8:20 PM
Subject: RE: Horse trailer insurance



Shelter Dog Lover


Posts: 10277
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 40/month with st farm, 500 decuctible -full coverage for 2007 Cimarron 4H with 10’ LQ
This year I had a water line leak and ruin the floor, they had to rip out the whole LQ to replace the floor so I did a different floor plan-all covered by insurance. 
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07milch
Reg. Mar 2012
Posted 2018-01-11 8:23 PM
Subject: RE: Horse trailer insurance


Elite Veteran


Posts: 682
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Location: Northwest
State Farm $26 a month with a $500 deductible for an ‘08 Platinum LQ
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classicpotatochip
Reg. Mar 2011
Posted 2018-01-11 9:17 PM
Subject: RE: Horse trailer insurance



Owner of a ratting catting machine


Posts: 2258
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Progressive all the way. They're so flexible.
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OhMax
Reg. Feb 2013
Posted 2018-01-12 6:55 AM
Subject: RE: Horse trailer insurance


Married to a Louie Lover


Posts: 3303
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We pay $470/yr for a fully insured 2017 Lakota with a $500 deductible through Farm Bureau.
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fulltiltfilly
Reg. Dec 2008
Posted 2018-01-12 12:10 PM
Subject: RE: Horse trailer insurance



I hate cooking and cleaning


Posts: 3314
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Location: Jersey Girl
I pay $190 for our insurance. 3H LQ. It's thru a company that insures farm equipment. I don't remember the name off the top of my head.  
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TheDutchMan01
Reg. Jan 2010
Posted 2018-01-12 12:47 PM
Subject: RE: Horse trailer insurance


Elite Veteran


Posts: 883
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Location: Southern Indiana
State Farm less than $400 a year on a c&c 4h LQ

My 2h platinum bumper pull is only like $100 a year
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brlraceaddict
Reg. Jul 2006
Posted 2018-01-12 12:49 PM
Subject: RE: Horse trailer insurance



Firecracker Dog Lover


Posts: 3175
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I just bought a new-to-me older model Featherlite 3H but no LQ.  I added it to my auto and home policy and about fell out of my chair when she told me how much for full coverage - $500 deductible and $112/year.  I expected it to be much higher.  For clarification, your pickup insurance will cover liability only on your trailer when pulling but not for anything else.  For $114 a year I will keep the full coverage when it's paid off. 
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