First, Many think their trailer is covered by the insurance on their car, or truck... this is only partially correct!
Your primary insurance does cover Liability if you are towing a non commercial (ie snowmobile or boat) trailer.... If the trailer hits another vehicle, or property, your insurer should cover it..... BUT:
It does NOT cover any damage (to your) trailer! I found this out this season when a mishap caused some damage while transporting my sleds. My truck, and all the sleds in the trailer were covered by NYSSA's preferred provider (Nationwide) who I have used for many years, and am very satisfied with (Their Claims servicing and communication are top notch!) However; the sleds were not damaged at all; but my trailer was! And; because it was not specifically listed on my policy (I got a newer box type unit last season) There was no coverage for the damage to the trailer...
Don't make this mistake!!!
The nicer, newer trailers many of us are getting these days can be very expensive to buy; and to repair. Bad road conditions; weather, hail, tree falls, and many other things can cause them harm- Do NOT ASSUME it will be covered!
Ask your agent or broker!
That being said, and me learning an expensive lesson; I hope I can save others from making the same mistake!
The next thing I want to share is to tell you about the folks that rebuilt my damaged 2012 Trailer... KRISTY Trailer MFG. (Located in the Canastota Business Park; just West of the Rusty Rail on State Route 5)
The good folks there Did me a real solid rebuilding a significant portion of my trailer- the repaired area looks bright & shiny, like new- and they matched up all the hardware & trim!
Actually, it's better than new; because the manufacturer (Bendron) who built the trailer I got, which is only a few years used, is no longer in business- many of the newer, lighter box trailers are also built this way with a "Cheaper" type of construction! Instead of welded steel or aluminum frames, they use strips of bent sheetmetal to support the whole thing. They glue and screw the panels together, and it's like a uni-body car- if you take a hit; EVERYTHING gets pulled and torn out of shape!
KRISTY had to cut away half a side, a small portion of the roof, and front corner... then they built a full welded steel cage frame, so now the trailer is better & stronger (I can safely hang gear cabinets on the re-built wall now!) They want me to share that they can replace axles, wheels, doors, sides, fenders, on any make trailer, and will detail, summerize, & Winterize your trailer too! They stock many spare parts, and welcome all NYSSA members to contact them for ALL your trailer needs!