Pull-Behind Trailers ~ Motorcycle Insurance

Pull-behind trailers for motorcycles are becoming increasingly popular as more riders hit the road for longer trips and specialized adventures.

Having adequate motorcycle insurance on your pull-behind trailer can be just as important as covering your bike. Motorcycle trailer insurance can cover the trailer itself, the items stored inside, and liability in case the trailer is the cause of an accident.

Below is information about motorcycle pull-behind trailer insurance, what most motorcycle insurance companies will cover with it, what isn’t covered, how much it costs, and how to choose the right coverage limits.

Motorcycle Pull-Behind Trailer Insurance
Pull-behind trailers (also known as motorcycle trailers or cargo trailers) are trailers that are attached to the back of your motorcycle. Insurance on these types of trailers can protect your trailer and contents in case of an accident, theft, or damage. This type of insurance coverage can extend your liability coverage, and it’s usually purchased as an add-on to your motorcycle insurance policy or as a standalone insurance policy for the trailer.

What Does Motorcycle Pull-Behind Trailer Insurance Cover
Motorcycle pull-behind trailer insurance typically covers:

  • liability coverage (for property damage or injury to others)
  • collision coverage (for damage that’s caused by a collision)
  • comprehensive coverage (for non-collision damage, such as theft, vandalism, or weather damage)
  • contents coverage (for items that you’re carrying in the trailer)

What Doesn’t Motorcycle Pull-Behind Trailer Insurance Cover
Motorcycle pull-behind trailer insurance typically doesn’t cover:

  • normal wear and tear to the trailer
  • mechanical failures on the trailer
  • unlawful use of the trailer
  • contents of the trailer (content coverage might have to be added)
  • use of the trailer in racing, competitions, or other high-risk activities
  • commercial use of the trailer
  • modifications and customizations of the trailer

Cost Of Motorcycle Pull-Behind Trailer Insurance
The cost of motorcycle pull-behind trailer insurance can vary, but it’s mostly influenced by coverage limits, the value of your trailer, the value of your contents, and where and how you store the trailer when it’s not in use.

How To Choose Motorcycle Pull-Behind Trailer Insurance Coverage
If you have an expensive pull-behind trailer and tend to fill it with expensive gear, equipment, clothes, and other contents, you should consider adding pull-behind trailer insurance to your motorcycle policy or purchasing a stand-alone policy for the trailer.

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company.

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Where and how you store your pull-behind motorcycle trailer when it’s not in use can affect your insurance premiums.