Utility Trailer

Utility Trailer Insurance

Cover your trailer with a low-cost policy

Your utility trailer is built to handle what you want to haul, and you'll want to stay protected when you're transporting your ATV, lawn care equipment, building supplies, or anything else. Quote flatbed trailer insurance today and get coverage from a leading RV insurer.

What is a utility trailer?

Utility trailers are designed to safeguard whatever you're transporting with raised sides. Unlike cargo trailers, they may have an open top, so you'll have more flexibility with cargo that can't fit in an enclosed space.

Do utility trailers need insurance?

To be covered for any physical damage to your utility trailer, you'll need separate utility trailer insurance. Your auto insurance policy will protect you against any damage or injuries you're liable for while pulling your utility trailer, but it won't cover any damages to the trailer or the contents inside.

How much does utility trailer insurance cost?

Many factors could affect your rate, from your utility trailer's type and location to your age, driving history, and coverage needs. Progressive offers a multitude of RV insurance discounts to help bring down the price for utility trailer insurance.

Learn more about the average cost of RV insurance.

Quick tips for quoting utility trailer insurance

  • Know your vehicle's details: We'll ask about your utility trailer's model name, length, and market value.
  • 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.
  • Customize your coverages: Add extra protection based on your unique needs, like replacement cost coverage for your personal items or roadside assistance.

What does insurance for utility trailers cover?

You decide how to best protect your utility trailer. Choose from a variety of unique coverages, including:

Replacement cost/personal effects

Protect the goods or equipment you're hauling! Get up to $99,000 in coverage for personal property inside your utility trailer.

Emergency expense coverage

If your trailer is disabled more than 50 miles away from your home, we'll pay you up to $750 for transportation and lodging. You'll have the option to upgrade to $2,000 in coverage if desired.

Roadside assistance

If your towing vehicle is disabled within 100 feet of a road or highway, we'll cover a mechanical or electrical breakdown, dead battery, or flat tire. If you're stuck in snow, mud, or sand, we can also provide assistance or fuel delivery.

Learn more about our specialized trailer coverages. Or find out how we can protect your cargo trailer or truck camper.

RV driving in desert

Quote today and get insurance for your utility trailer

Get a quoteOr, call 1-855-347-3939