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Willygee

Contents "in" cargo trailer Insurance advice needed.

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Moving to Central Fla. at the end of this month(oct) and we are having a friend tow our 24ft enclosed trailer to the Villages from Maine.We will be driving down in our TC XLT later. We have home owners State Farm which will cover the trailer and contents for fire and theft  while en route. We also have insurance for the trailer.
There seems to be a gap in coverage for ex: trailer gets hit by an uninsured vehicle,rolls over and destroys the contents..State Farm says this is not covered and offers no solution.Online research is vague at best. If anyone has advice it would be greatly appreciated.

trailer 3.jpg

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Maybe you can hire a commercial transport company, and their insurance will cover it all.

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If you add the trailer to your auto policy and put collision and comprehensive on it it should cover the risk.

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My homeowner's policy covers theft of items in my vehicle (like a bicycle). It also covered bicycle damage when I was run over by a car. 

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5 hours ago, G B L said:

If you add the trailer to your auto policy and put collision and comprehensive on it it should cover the risk.

 . . . . even if someone not related to you is towing it with a vehicle not on your insurance policy??

 

Don

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15 hours ago, Willygee said:

trailer gets hit by an uninsured vehicle,rolls over and destroys the contents

 

 

Go to a different insurance company.  Explain your scenario.  See what they have to say.  You may end up with a better policy.  Or the other agents will quote you a lower premium just to get your business.

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12 hours ago, Beta Don said:

even if someone not related to you is towing it with a vehicle not on your insurance policy??

That would depend on the insurance company you have.  Some would some would not.

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