Insurance on trailer and contents?
 

I'm looking for suggestions on an insurance policy to cover my trailer and if possible contents. These thieves have made me think. Also if we'd wreck it we'd be out quite a bit as well. I can google and find some companies but I'd like to hear from those with experience. My normal company will insure my trailer but no contents. Does anyone do that? Curious to hear. Thanks.

Often wondered the same my ins co asked what the trailer was worth by itself and that was all. I asked if my truck insurance would pick up value of contents and they didn't have an answer. I have a good friend who owns a ins company that I don't currently go through but intend to ask him if he offers like that. If I find out I'll make a post.

Re: Insurance on trailer and contents?
 

This is my experience, My race car and four wheeler wasn't in the trailer and everything else was stolen.my insurance for my trailer is only covered it in a accident,my home owners insurance covered only my tools ,only because I am ASE certified mechanic and was a rider on that.

Re: Insurance on trailer and contents?
 

I got a little thing that will call you when your trailer moves a couple of hundred feet and then you can physically track it on you smart phone. You can call the police or negotiate the return of the trailer for yourself. If you like it will also apply your electric brakes for you.

Honest Dad himself:6::6:

In most cases, your home owners won't cover the contents of the trailer. Had a friend have a quarter midget stolen out of his trailer. Insurance didn't cover car or parts, covered the generator though and maybe some other tools. I checked into it shortly after and there are some motorsport speciality companies that will cover it (just Google it). If I recall, it was approximately $1000/year for $50,000 of coverage.

Re: Insurance on trailer and contents?
 

my company said my home owners policy would pay for everything except the car.our shop was broken into about ten years ago and they paid for all the tools no questions asked.we did have a police report.also no strangers get in our shop to see what we have.

Tom Johnson specializes in race car and trailer insurance. Very reasonable and worth every penny. I have insured all my race cars and trailers along with contents for many years with Tom. They are covered on the road or in the shop. His phone number is 317-841-5088. Thank You Bill Throckmorton.

Where did u get that setup? The smart phone thing...

Every race team should have a GPS tracking device in their trailer and their race car. It's stupid not to.

Re: Insurance on trailer and contents?
 

I insured mine with Hagerty this summer. We had a friend who lost his trailer and its contents to fire and that was my wake up call to get it done. I insured my race car, trailer, and all contents all on the same policy.
One week after i insured it a storm blew my awning off the trailer and as bad as I hated to I called them and they had an appraiser out in 48 hours and a check in 8 days.

I can get you the info if someone wants...Im not sure if its against forum rules or not to post it.

FYI... I drag race, the car is covered any time its not on the race surface. In the pits, in the lanes, in the trailer, anywhere but the actual race track.

I have my insurance with State Farm. It covers the trailer, then a rider on trailer covers tools, generator and 4 wheeler.
All they asked for was a list of tools, and some pictures of the drawers in tool box with tools, ect.
As for the car, It's not covered.

Check indiania sports ins in ft wayne ind
They offer off track ins for.race cars
They have a policy for drivers olso
All drivers.need.to carry this policy
It has a very reasonable rate for the coverage
This makes.a nice chrismas presant
For the racer on you list

Re: Insurance on trailer and contents?
 

Found this. Not insurance. Not bad pricing. http://www.sleepercellalarm.com/

Lynn

Re: Insurance on trailer and contents?
 

Mine cost about $200.00 each. I think they have 3 years air time then it is renewable yearly there after. If interested you can PM Me. We use them in recovery of BHPA autos. Repo is not like you see on TV,
Thank God.

Re: Insurance on trailer and contents?
 

I've been looking into Spot Trace, they're on sale on occasion for about 90 bucks. Anyone have experience with one?

I'll be adding one to the trailer this winter, it'll be installed before I put another item in it. I've seen too many theft reports of race trailers lately.

Re: Insurance on trailer and contents?
 

Check for cost of air time>>ck for number of locates allowed
>>Make sure unit is new phone 3 or up technology the 2's are being shut down soon.

Might want to check cost of spot trace service plans>>>>>>>>>>>>>>>>>>>>>>>>>>

Re: Insurance on trailer and contents?
 

I am an insurance agent out here in California and not only insure my midget/trailer/tools/spares, but service a few other teams policies as well. Although I can only write coverage on the west coast, the companies I prefer are nation wide.

K&K Insurance out of Fort Wayne has a good program and specialize in racing as many of you know when signing into tracks. They do anything from track liability to individual teams (Liability and Property).

Another great program that just recently started is with Hagerty Insurance. Although they are known for classic vehicles, their program is very competitively priced, including coverage for your racecar, trailer, tools, and spares.

These two companies package these into one policy to save you from the headache of an auto policy for the trailer, homeowners or business property policy for the tools and equipment, and the hard to find coverage for a racecar and spares. A general rule of thumb, anything related to an auto would not be covered by a homeowners policy (racecar, spare parts/wheels) unless you have a specific policy or endorsement.

I recently saw a great article in Circle Track Magazine about this exact topic.

Mark.