In this video we discuss everything you need to know about auto add-ons and choosing the right option for your trailer policy.
An auto policy is the policy you have covering your regular driving vehicle. While towing your trailer, it is usually covered under your auto policy (you should always call to be sure!). The catch however, is that it is only covered by your auto policy when on the road with your vehicle. An auto policy does not cover your trailer when it is parked in a park and detached from the vehicle. Having your trailer included with the auto policy covers you incase of an accident while towing.
Trailer Policies Offered by M.B. Kouri Insurance
Most campgrounds require you to have coverage for $2 million in accident. M.B. Kouri Insurance offers 2 different types of policies that can be customized to your individual needs.
Option 1: Travel Trailer Policy; This coverage option is meant for people who travel during the summer from park to park. This policy covers your trailer when its parked and detached from your vehicle. Your auto policy should cover it while on the road, but always remember to confirm that with your auto insurer! Click here for more details about our travel trailer program.
Option 2: The Park Model Policy; This option covers trailer liability and damages when parked in a park. This policy is meant for stationary trailers that do not move from the park. In this policy, you can also add on coverage for your golf carts, decks and other camping specific elements. Click here for more details about our park model program.
ADD-ONS & TRAILER POLICIES SUMMARIZED
Homeowners Side Note
You can also add your trailer onto your homeowners policy.
However, you run the risk of losing any no-claims discount for your house if you have to report a claim on your trailer.