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Trailer Insurance in Sacramento CA & Roseville CA

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 Sierra Oak Insurance Services 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 Sierra Oak Insurance Services 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

Sierra Oak Insurance Services

9700 Business Park Drive, Suite 105
Sacramento, CA 95827
Main office: 916-823-8707
Toll free: 888-590-5282
Fax: 916-364-7381

Our Providers

Testimonials

I’m extremely confident with my policy that I have with Sierra Oak. They recommend strong coverage options and make sure that I always have what I need. They constantly keep me informed of new coverage offers and discounts, and they’re also always willing to shop around for better rates. I feel very safe with them and I know that I’m paying for what I truly need and nothing more.

Christina Moore
They always respond quickly, whether it be through email or phone. Upon signing up they gave me a contact list of who’s in charge of what policy so I could save time by contacting them directly. If they don’t know an answer to a question, they’ll find out and get back to me within the day. Great customer service!

Katie Deither
The thing I enjoy most about Sierra Oak is all the people are so easy to talk to! They keep me informed by educating me about different coverage options, terms, and discounts. I use them for my company and when we have an audit, they explain all the reports in an easy to understand way, and also send me anything I need. They’re always right on top of things and never miss a beat.

Cheryl Bridgewater
They know you when you call they know about you, direct contact feel like a person and not another number. I am confident in what they offer, they keep me informed and keep shopping for better rates…the people easy to talk to, they educate me on terms and we have an audit and explain reports and send me anything I need.

Carla Neiswender, Saputo Construction