Does Boat Insurance Cover Boat Trailers and Haulers?

If you own a boat that you haul from one location to another, you need equipment to transport the boat. When transporting the boat, you need either a boat hauler or a boat trailer. At McCormick Insurance Inc. serving the greater Pembroke Pines, FL area, we are often asked if the boat trailer or hauler is covered by boat insurance. Here is what you need to know about this topic. 

Does Boat Insurance Cover Boat Trailers and Haulers? 

Boat insurance does not typically cover boat trailers and boat haulers. Boat insurance typically only covers floating vessels that have an engine, such as boats and jet skis. 

How Can You Cover Boat Trailers and Haulers?

If you are looking to insure your boat trailer or hauler, you generally have two options. Some companies offer an add-on policy to your boat insurance that will cover trailers or haulers. These are policies or addendums that are added on to your current insurance policy to cover the items you use to haul the boat or trailer. Most of the add-on policies only cover the trailer or hauler when it is being used to transport the boat. 

The other option is to purchase a completely separate boat trailer or hauler policy. This type of policy will cover your boat trailer or hauler even when it is not transporting the boat or when it is transporting other items, such as toys. This type of policy is generally more expensive than an add-on policy, but it offers more coverage and protection, so may be right in the right situation. 

Are you looking to insure both your boat and your boat trailer or hauler in the greater Pembroke Pines, FL area? Then contact McCormick Insurance Inc. today. We will help you find the right insurance policies to meet your needs.