If you use a trailer to haul your motorcycle, camping gear, supplies, or anything else, make sure you're protected with a cargo trailer insurance policy from Progressive. Our coverages extend to almost all types of cargo trailers, plus your valuable personal property inside. You can also get horse trailer insurance if your trailer is used to carry a horse.
What is a cargo trailer?
Cargo trailers are designed to transport horses, ATVs, equipment, food, and more. They're enclosed, enabling you to transport goods without worrying about damage from outside elements.
Does my auto insurance cover my trailer?
Whether you pull your cargo trailer with your truck or car, the insurance on your motor vehicle will NOT cover your cargo trailer if it's stolen, vandalized, or damaged in an accident. You'll need a separate insurance policy to cover any physical damage to your cargo trailer.
You'll need to carry state-mandated liability insurance on your tow vehicle to be covered against any damage or injuries you're liable for while on the road with your cargo trailer.
How much does enclosed trailer insurance cost?
Your rate will depend on many factors, such as your coverage selection, location, age, and driving history. Your cargo trailer's size could also affect your price. We offer a variety of discounts to help lower your cargo trailer insurance cost.
Quick tips for quoting cargo trailer insurance
- Know how often you use your trailer and in what capacity: The amount of days you use your cargo trailer per year and the way you use it can impact your price.
- Customize your coverages: You can add extra protection based on your needs, like replacement cost coverage for your personal items and roadside assistance.
- Increase your deductibles for a lower price: The more you're willing to pay out of pocket in the event of a claim, the better your insurance rate.
What does insurance for cargo trailers cover?
You can choose exactly how you want to protect your trailer. Here is a sampling of common trailer coverages:
Comprehensive and collision
Comprehensive coverage protects your cargo trailer from incidents out of your control, like theft, vandalism, and weather-related damage. Collision coverage will pay to repair or replace your trailer if it's damaged in an accident, no matter who's at fault.
Replacement cost/personal effects
Chances are, you're using your cargo trailer to transport goods or gear. We'll provide up to $99,000 in coverage for personal property inside your trailer.
Emergency expense coverage
Get up to $750, or upgrade to $2,000, for transportation and lodging if your trailer is disabled more than 50 miles away from your home.
Learn more about our specialized trailer coverages.