The Importance of Horse Trailer Insurance

You can easily get so excited about traveling with your horse that you forget all about important issues like horsebox insurance. You are focused on riding your beloved horse along the sandy beach, or along some mountain trail with breathtaking vistas. You are busy lining up friends and family to come along with you.

But don't let the excitement of traveling with your horse - even for just short distances - cloud your judgment. Insuring your trailer is essential.

Most horse owners and equestrians understand the value of maintaining horse insurance. It can be helpful to have many policies around ownership to protect you and your equine. But few know about horse trailer polices.

These policies are important asset to your insurance portfolio. For starters, they protect you against both theft and damage - bumps and dings, for example. But you can also get polices that will help you provide for your horse if you have the bad luck to break down on the highway somewhere.

But you have to read the fine print. Remember, these policies are crafted by lawyers who aren't thinking so much about you and your horse as they are about protecting bottom lines.

First of all, remember that your truck insurance may or may not cover the attached trailer. Check with your broker to determine the precise extent of coverage. Often, damage to your trailer is not covered by the policy that deals with your truck. Some equestrians have discovered the hard way that it might not even cover moving the damaged trailer off the road!

In order to cover you against the possibility of theft, you may need to install anti-theft devices on the trailer itself. These may include a wheel clamp, for example.

Finally, remember that the policy may cover you while you are driving or using the trailer, but not others. Be sure that you don't just lend your trailer out. Be sure that the policy addresses all possible uses - if you run a horse-related business, be sure the policy will cover both personal and professional use.

The right policy can go a long way to providing peace of mind when you travel with your horse. But you have to read the fine print - you have to be sure that the policy for which you might spend a fair amount of money actually does what you need it to do. A little work in advance will pay off in the long term.

Looking to learn more about horse trailer insurance or other horse-related issues? Check out Equestrian Horses Guide, a one-stop resource for all things equine.