Most boat insurance policies can provide coverage for a trailer if requested. This coverage is usually insured on an actual cash value basis.

The main note of interest regarding boat insurance and the trailer is that there is no liability coverage on the trailer or on the boat when connected to a vehicle. The liability on the vehicle is the liability on the boat and the trailer. If the boat or the trailer is on the road and comes loose and causes bodily injury or property damage to a third party, the liability coverage on the vehicle is responsible.

If the boat or trailer is damaged while connected to a vehicle, the damage is covered by the boat insurance company.

Some states require proof of liability insurance on the trailer. This proof is provided by the automobile insurance policy.

Review our in-depth Boat Insurance Guide.

See our side by side comparison of the programs represented by United Marine.