If you have been looking for a horse trailer insurance provider located in the United States, you have probably had a difficult time. The reason is simple: in the US most trailers are covered by the insurance of the towing vehicle (see Auto insurance). Still, there are several companies in the United States which offer specialty insurance for horse trailers.
Why is there insurance for horse trailers if such insurance is unnecessary? The answer is best wrapped up by a discussion group from Horse Trailer World. In the discussion a CA rancher asks if it is necessary to insure his horse trailer. Though the other ranchers seem unsure whether law requires the extra coverage, they agree unanimously that special trailer insurance is a good idea. They then offer testimonials stating that it is well worth the money because coverage is cheap and horse trailer damages are often considerably more expensive than their deductibles.
Horse trailer coverage is cheap because most horse owners only use their trailers from time to time. That means that there is usually little risk of damage to your trailer. Still, we all know that accidents happen, and when they do, it is great to have the peace of mind to know that everything is covered.
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