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Trailer Insurance

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents. This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call Noltensmeyer Insurance Services and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following:

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

If you have a trailer that needs insurance, call Noltensmeyer Insurance Services today to find out the specifics of the coverage and begin protecting your investment.

 

1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.

2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.

3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

Our Locations

Richmond/Sugar Land Office

6546 Greatwood Pkwy Suite A
Sugar Land, TX 77479
Main office: 281-609-7942

Houston Office

10777 Westheimer Rd Suite 107
Houston, TX 77042
Main office: 281-609-7942

Memorial Office

14520 Memorial Dr Ste K
Houston, TX 77079
Main office: 281-493-4111

Cook Insurance Services

140 Eldridge Road Suite F
Sugar Land, TX 77478
Main office: 281-789-6288

Godbee Insurance Agency

4655 Sweetwater Blvd Suite 250
Sugar Land, TX 77479
Main office: 832-981-2479

Tyler Office

113 Shelley Drive
Tyler , TX 75701
Main office: 903-307-2073

West Houston Office

14530 Old Katy Rd Suite 125
Houston, TX 77079
Main office: 281-819-3293

Our Providers

Testimonials

Our former provider rates went up dramatically when we added a teen driver so I called Noltensmeyer Insurance. Agent Natalie Bailey found us more coverage and better rates. The transition was quick & painless with outstanding customer service. This agency's knowledge and expertise gives us great peace of mind.
LeeinHouston
Missy Thomas has provided outstanding customer service for the 10+ years I have been with the agency. Her professionalism, insurance knowledge along with her vibrant personality make it a pleasure to do business with her/the agency. :)
Shawn
I noticed that our insurance rates kept going up, so I decided to do some comparative shopping. We decided on Noltenmeyer Insurance Services for three reasons; 1) we saved a lot of money on our insurance package, 2) the customer service is excellent and 3) they have a high degree knowledge and expertise and we are confident that we are adequately protected. What sets Noltenmeyer apart from others is their customer service. They are kind, patient and I never feel like I am a bother to them.
JoAnne
I have been with this company for years! Mt agent, Missy T. gives the BEST service and I will go where ever she goes. I think this company is lucky to have her and she needs a raise and promotion to Manager of a branch. If she could teach others her people skills this company would grow even more, and that is without TV/Radio advertisement. It would be from GREAT people skills and the circle process to figure out how to assist the client to get what they need and you get paid for it. I recommend Missy T. and her services to all my employees, family and friends when they tell me they are not happy with their insurance agent/company.
Anonymous
I have come to find I can depend on Missy for all my needs. She's quick to respond and always follows up. I appreciate Missy's work ethic and will continue to come to her with all my insurance needs.
LoLo
We have the best agent! She's always helpful, attentive, and pleasant. She always responds in a timely manner. Because of this, I have referred many clients to her who also feel she does a great job!!!
Robbins
Dan and his staff are helpful, caring experts who put my mind at ease regarding all of my insurance needs. I feel as though I am getting the best insurance coverage possible along with the best price available in the industry. The service and attention I have recieved over a number of years is unbeatable. I know, I tried another company to save a few bucks a few years ago and I am now back with Nationwide. The meager dollar savings couldn't make up for the loss of friendly, reliable service I get from everyone in Dan's office.
AnnG
Dan Noltensmeyer insurance has taken great care of me. I use them for auto, home, and my RV's. Any time I have a question or need some assistance, they have been right there to help me. I appreciate the customer service. Thank you so much!!
LeeAnn
A + For service, price and reliability. Keep up the great work, for that is why I have been a customer for over 9 years. Best Regards, C.E. Lothringer
Chazz
The Noltensmeyer Agency is about service. I have a wide array of insurance needs. The staff goes above and beyond to make sure all my needs are met. In today's world, I cannot afford to make a mistake with my coverages. I am confident that my needs have been coordinated to the best possible coverages available. I know that I could not receive this level of expertise with a discount house. I have been with Nationwide for ~ 15 years and plan to be for a long time to come.
ChrisH
I've been a customer for 13 years. Besides having to review some prices every once in a while, we've been very satisfied with Noltensmeyer Ins Serv LLC. Although I've never had to make a claim of any kind, I can count on their services for all my insurance needs. Keep up the good work...
Marroon5
I have been with Noltensmeyer Insurance for many many years.. Kristi at his office has always been so helpful and always takes time to help me when needed. I have never felt like I was just another customer. You can't find service like that anywhere these days. Thank you for always being such a great help when needed. AH
Homoki