Horse Trailer Insurance: Horse Box Insurance

Lucky you if you own a horse or several horses. They are a very valuable investment and cost a lot to buy and to care for properly. Equestrian equipment, food, stabling costs, etc, cost substantial amounts of money and the chances are that if you are a horse owner you also have a horse trailer, or more than one if you own several horses. These can be a serious capital investment, so in all keeping horses means that there is more than one piece of property that needs to be protected from any type of loss.

Many people believe that their car insurance automatically covers anything they tow. That is not necessarily true. Most policies have a towing liability feature horse trailer insurance is different, to the extent that it needs a specifc kind of trailer insurance, the same affects a horsebox. Many responsible horse owners know that you also need to carry horse trailer insurance.

The towing feature on most car and truck insurance policies accounts for liability and some will cover damage to a trailer. But what about all the other things that could happen when you are away from home? Things such as theft, vandalism, fire and "acts of God" need the additional protection that insurance on a horse trailer would cover. The contents of your horse trailer are most likely very valuable. Start with your horse and all the accessories needed for your horse as well as the upgrades that you may have made to the trailer. All of these items can be very expensive to replace. Your homeowners insurance policy might the odd item but this depends on the policy.

It's a good idea to shop around for quotes on insurance for horse trailers. A good place to start is with your current car insurance company to see what options they might offer you.

When getting your quotes make sure you include cover for liability, contents and personal items, total loss coverage and loan balance coverage. An additional area is roadside assistance. Breaking down or having an accident without insurance on a horse trailer is a situation you wouldn't want to be in. In these circumstances cover like roadside assistance would be invaluable for your hosebox and contents.

It's important for you as a horse owner to understand the extent of the coverage that you currently have in place and how invaluable the addition of horse trailer insurance is to your insurance portfolio.

Along with this additional horse trailer coverage make sure you keep the receipts for all the items that you carry in your trailer. It is important to keep receipts because you would need them should you need to make a contents claim. You should also install anti-theft equipment, such as a wheel clamp, on your trailer.

If your horses are considered a business then you need to confirm that your new policy will cover professional as well as personal use.

Having the proper insurance on your horse trailer will give you peace of mind and leave you free to fully enjoy your equestrian pursuits!