Trailer Insurance in Spokane WA & Spokane Valley WA

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 North Town Insurance 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 North Town Insurance 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 Location

North Town Insurance

5727 N Division
Spokane, WA 99208
Main office: 509-483-3030
Fax: 509-487-8355

Our Providers

Testimonials

This office has great customer service. Great people, great customer care

Jan A.
Five Stars! Always friendly and ready to help.

Stephanie C.
Great people and services. Very helpful and informational about their policies and what they can do for their customers. I would totally recommend!

Christina M.
I would like to start by saying although my agent is my daughter, I would expect the same level of educated professionalism from anybody servicing my policy. She got a great rate for our business and we hang her sign proudly in the brewery.

Hopped Up Brewing
I switched my auto insurance policy to North Town Insurance with Amanda Ewan as my agent over a year ago. I am VERY happy with my decision. Amanda has outstanding people skills. I can feel her smile across the phone which brightens my day. She puts my needs first. I am always able to get a hold of her when I need her. I appreciate her honesty. Knowing she has an eye on my insurance needs helps me to relax.

Joyce A.
Matt Paulson is a great friend and a awesome insurance agent he has saved me on my car insurance, renters insurance, 4wheeler insurance, and now i will be signing my life insurance with him. If you think you might be paying to much for insurance and want a to see if you can save money call Matt at northtown insurance company.

Sharell F.
I work for Progressive Insurance. I have had a few customers that have bought policies from Matt and I have had customers that work with your agency. I am glad that you guys are giving customers what they need rather than what is the most "cost effective". It makes my job much more easy if the customer has the correct policy to make them "whole" again. If the policy is not sufficient, the customer usually has a bad outcome.

Tim - Progressive Insurance