When a trailer is temporarily parked in a trailer park, it is your homeowners or tenants policy that provides liability coverage. If you use your trailer for seasonal purposes, like a cottage, an endorsement to your homeowners policy should be added to cover the trailer and its contents.

While it is possible to add a trailer to your auto policy and cover it for direct compensation, a better and less expensive way is to choose a special trailer package. Designed mainly for campers and cabin trailers, this coverage protects you against most perils including fire, wind, lightning, theft and vandalism Under this type of policy, there’s coverage for collision, often including direct compensation, and usually an extension to cover contents of the trailer.

People often lend or rent their trailers. You should make sure this practice is covered by your policy. Before you lend your trailer, you should clearly understand who pays in the event of a loss.

Trailers and their uses vary from one individual to another. Call us if you wish to review your coverage.