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Trailer Insurance in Middleburg Heights OH & Medina OH

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents. This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call Hertvik Insurance Group and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following:

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

If you have a trailer that needs insurance, call Hertvik Insurance Group today to find out the specifics of the coverage and begin protecting your investment.

 

1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.

2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.

3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

Our Locations

Hertvik Insurance Group

7530 Lucerne Drive, Suite 110
Middleburg Heights, OH 44130
Main office: 440-243-2229
Toll free: 800-467-3254
Fax: 440-243-2552

Badamy Insurance

4408 Timber Commons Drive
Sandusky, OH 44870
Main office: 419-502-2200

Brown & Associates

6277 Frank Ave. NW
North Canton, OH 44720
Main office: 330-499-0206
Toll free: 800-467-3254
Fax: 440-243-2552

Our Providers

Testimonials

Always have a great experience with the girls. Very helpful and friendly and such quick responses! Thank you!!!

Kimberlee R.
You are easy to work with and are always looking out for my family's best interest without being pushy.

Michael R.
I get a quick response to any questions or concerns. Everyone is always very pleasant to talk to.

Charles C.
Paperwork has been easy to sign and file (all available online), fast response when questions are asked, always polite AND our price went down for the next year!!! That’s kind of unheard of in the insurance business!!

Allen J.
Quick responses and knowledgeable.

Jerry N.
Hertvik group has made sure that I have the appropriate coverage at the best price. They also answer the phone or call back promptly.

Linda O.
One point of contact is nice & I like the fact that you can offer multiple companies instead of forcing us into one

Heather L.