Haris Ashley
State Farm offers insurance policies to help protect trailers, including personal and recreational trailers such as horse trailers, travel trailers, and camping trailers. While liability insurance from your auto policy will likely cover damage you cause while towing a trailer, it typically won't cover damage to the trailer itself. Therefore, it is essential to consider purchasing trailer insurance to ensure your trailer is adequately protected.
| Characteristics | Values |
|---|---|
| Type of insurance | Trailer insurance, motorhome insurance, travel/camping trailer insurance |
| What it covers | Damage and loss caused by common risks, bodily injury, theft, fire, vandalism, emergency road service |
| Items covered | Jewelry, cameras, bicycles, fishing equipment, golf clubs |
| Number of agents | 19,000 |
| Additional coverage | Liability coverage, collision coverage, comprehensive coverage, contents coverage |
What You'll Learn
State Farm's coverage for travel/camping trailers
State Farm offers insurance policies to help protect travel/camping trailers. This includes trailers that are towed, as opposed to motorhomes, which are driven.
State Farm's travel/camping trailer insurance offers personalized service from any one of their 19,000 agents across the United States. As the largest auto insurance provider in the country, they offer reliable service, prompt and reliable claims handling, and 24/7 roadside assistance coverage.
State Farm's travel/camping trailer insurance covers damage and loss caused by common risks, such as fire, storms, theft, and collision. It also covers bodily injury to you or someone else caused while towing your trailer, and this is extended from the towing vehicle's liability coverage.
In addition, State Farm's insurance covers emergency road service in the event of a breakdown while traveling with your trailer.
It is important to note that the property covered can vary, so it is recommended to talk to a State Farm agent to determine which coverage suits your particular needs and trailer size.
Furthermore, items inside your trailer, such as jewelry, cameras, bicycles, and fishing equipment, may need extra protection beyond your travel/camping trailer policy. A personal articles policy can be purchased to ensure these items are also covered.
State Farm also provides insurance for recreational vehicles (RVs) and offers a range of resources to help you prepare for your adventures, including an RV to-do list, tips for buying an RV, and RV roof maintenance advice.
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State Farm's coverage for business or farm utility trailers
State Farm offers insurance policies to help protect business or farm utility trailers. These policies are separate from auto insurance policies and are designed to provide coverage for trailers that are towed behind a vehicle.
Business or farm utility trailers can be essential tools for businesses and farms, offering versatility in hauling equipment, materials, goods, and livestock. However, the auto policy of the towing vehicle may not cover the trailer and its contents. Therefore, it is important to consider adding trailer insurance to ensure adequate protection.
State Farm's trailer insurance policies offer coverage for physical damage to the trailer, as well as liability coverage for any damages caused by the trailer. Physical damage coverages offered by State Farm include collision coverage, comprehensive coverage, and emergency road service. Liability coverages offered include bodily injury liability coverage, property damage liability coverage, medical payments coverage, and personal injury protection.
When considering trailer insurance, it is important to provide the following information to a State Farm agent to ensure accurate coverage and quoting:
- Type of trailer
- Gross Weight of the trailer (weight of the trailer plus maximum weight it is designed to carry)
- Manufacturer's Suggested Retail Price (MSRP) of the trailer
- Primary use of the trailer
- Presence of any attached equipment and their MSRP
- Type of vehicle that primarily pulls the trailer
By insuring your business or farm utility trailer with State Farm, you can have peace of mind knowing that your trailer and its contents are protected in the event of an accident, theft, vandalism, or other covered losses.
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State Farm's coverage for personal trailers
State Farm offers insurance policies to help protect personal trailers, including travel/camping trailers, horse trailers, and other recreational-type trailers.
State Farm's travel/camping trailer insurance covers damage and loss caused by common risks, such as fire, storms, theft, and collision. It also includes bodily injury coverage for injuries sustained while towing the trailer, as well as emergency road service in the event of a breakdown.
For liability coverages, State Farm offers bodily injury liability coverage, property damage liability coverage, medical payments coverage, and medical payments and personal injury protection.
It is important to note that physical damage coverage on the trailer is usually optional, while liability coverage may be required to ensure any damages caused by the unhitched trailer are covered.
When considering trailer insurance, keep in mind that the auto policy of the towing vehicle may not automatically extend coverage to the trailer and its contents. Therefore, it is recommended to check with a State Farm agent to determine the right coverage for your specific needs.
State Farm also offers 24/7 roadside assistance coverage and personalized service from a large network of agents across the nation.
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State Farm's coverage for physical damage to trailers
State Farm offers insurance policies to help protect trailers, including personal and recreational trailers such as horse trailers, travel trailers, and camping trailers. The physical damage coverages offered by State Farm include Collision, Comprehensive, and Emergency Road Service (some restrictions apply to roadside assistance).
State Farm's travel/camping trailer insurance covers damage and loss caused by common risks such as fire, storms, theft, and collision. It also includes bodily injury coverage for injuries sustained while towing the trailer, as well as theft, fire, vandalism, and other covered losses while the trailer is in storage.
It is important to note that the property covered can vary, so it is recommended to talk to a State Farm agent to determine the right coverage for your specific needs and trailer size. They can provide a quote and review the necessary information to ensure proper coverage, including the type of trailer, gross weight, MSRP, primary use, attached equipment, and the type of vehicle that pulls the trailer.
Additionally, items inside the trailer, such as jewelry, cameras, bicycles, and other valuable possessions, may need extra protection through a personal articles policy that goes beyond the standard travel/camping trailer policy.
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State Farm's coverage for liability for trailers
State Farm offers liability coverage for trailers, which is crucial as it covers any damage or injury your trailer might cause to other people or their property. This coverage is typically an extension of your auto liability coverage. It is important to note that liability coverage for a trailer is usually required, even when it is unhitched.
State Farm's liability coverage for trailers includes Bodily Injury liability coverage, Property Damage liability coverage, Medical Payments Coverage, and Medical Payments & Personal Injury Protection. This means that if you cause an accident while towing your trailer and are found legally responsible for the damages, your liability coverage will kick in.
However, it is essential to understand that standard car insurance policies, including State Farm's, do not typically provide coverage for damage to the trailer itself while being towed. For comprehensive or collision coverage of the trailer, a separate insurance policy is often needed, especially if the trailer is used frequently or carries valuable cargo.
When it comes to specific scenarios, such as renting a trailer or using a trailer for work, your personal coverage may not be sufficient. In the case of renting a trailer, it is advisable to purchase the rental company's insurance to ensure adequate coverage. Similarly, if you use your trailer for business purposes, you will likely need commercial auto insurance or a separate commercial trailer insurance policy to comply with the increased risks associated with commercial use.
To ensure that your trailer is adequately covered, it is recommended to discuss your specific needs with a State Farm agent. They can help you determine the right coverage for your trailer type, usage, and value.
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Frequently asked questions
State Farm offers insurance policies to help protect trailers, including personal and recreational-type trailers such as horse trailers, travel trailers, and camping trailers.
State Farm's trailer insurance covers physical damage to the trailer, including collision, comprehensive, and emergency road service. It also includes liability coverage for bodily injury and property damage.
The cost of State Farm's trailer insurance will depend on various factors, such as the type of trailer, its gross weight, and its value. You can contact a State Farm agent to discuss the right coverage and get a quote.
