At 90.2% ownership on properties with land, a great many households here tow something. A trailer is covered, uncovered or partly covered depending on details nobody is told at the quote.
Your liability usually extends to a trailer you tow. Damage to the trailer itself usually does not.
Three things that follow from a household that hauls.
If a trailer you are towing causes injury or damage, your auto liability generally responds. If the trailer itself is wrecked, stolen or burned, a personal auto policy usually pays nothing for it. That split surprises people with an expensive trailer and a cheap truck.
Tack, tools, equipment and animals in transit are not auto property. They fall to a homeowners policy with its own limits, to an inland marine or equipment policy, or to nothing at all. Horses in transit in particular are not covered by either the auto or the homeowners form.
A loaded trailer stops longer and does more damage when it does not stop. The exposure is larger than the vehicle alone suggests, and the liability limit chosen for a pickup was probably not chosen with three tons behind it in mind.
Specific to households that pull something regularly.
A trailer worth real money needs its own physical damage cover, scheduled deliberately.
Livestock in transit sit outside both the auto and the homeowners policy. It needs naming.
The limit that suited a commute does not necessarily suit a loaded gooseneck.
Tell us what you tow, roughly what it is worth, and whether animals travel in it.
We cover the trailer and the load, not just the truck in front of it.
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