How to insure a trailer and bobcat under personal insurance?

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Asked March 12, 2019

1 Answer


Generally, trailers and bobcats can be covered under normal homeowners insurance. This is on the basis that they are used to keep the property they belong to. Most trailers and bobcats can fit this description even if they are not solely used for this purpose. Depending on how you are using your trailer and bobcat this may be the easiest way to go. However, such coverage will only protect against hazards relating to property. So fire, storm damage, theft, and even flooding will be covered. Collision is a different story.

Auto-insurance on a vehicle usually extends to trailers. As trailers are latched to the car it makes them an addition which afford them coverage. The coverage is liability only, however. So if you get into a collision certain things will not be covered. Same goes for insuring trailers and bobcats under homeowners insurance. The only way to have extensive coverage on both a bobcat and trailer is to insure each individually. Stand alone policies are the only way to afford full protection. It should also be noted that collisions are not just defined as traffic accidents. A collision is anything you happen to careen your trailer and bobcat into.

So what you want to do is look at what you are going to be using your bobcat and trailer for and what risks are associated with it. A bobcat is a pretty sturdy piece of machinery so if you are just using it around your property than the risk of severe collision is low. If you use your trailer as part of a personal construction business and will be transporting both frequently stand-alone policies are a good idea. In the event of an accident you will not be out for the replacement of each piece of equipment. If the only real threat is a storm hitting your home standard homeowners insurance is more than adequate.

Answered March 14, 2019 by Figgy

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