Horse Trailer Insurance: Cost & Quotes From $11/mo

Transporting horses from the horse farm to any other location is better done through a horse trailer than an enclosed trailer. 

An enclosed trailer might seem to work. However, it doesn’t have the sturdiness and spaciousness of a horse trailer, which mitigates the possibility of the horses getting stressed and injured during the trip. 

Horse trailers are expensive. Moreover, they’re bulky and can easily cause accidents while on the road. This is why, unlike utility trailers which you can use without insurance, horse trailers must be insured. 

Horse trailer insurance is a standalone insurance product consisting of policies that grant protection if your horse trailer causes an accident, gets damaged, gets stolen, or breaks down. Here’s a guide that will answer all of your questions. 

Commercial Auto Insurance for Horse Trailers

A common inclusion in horse trailer insurance programs is a commercial auto policy. You initially purchase this as a cover for the vehicle which is towing your horse trailer. However, there’s no stopping you from adding the horse trailer as an insured item. There are many uses for a commercial auto policy. Allow us to break them down one by one:

Cover Accidents Caused by Your Horse Trailer

Commercial auto insurance comes with an auto liability coverage that pays the medical treatment of third parties who sustains injuries because of your horse trailer. Here are some examples where this kicks in:

  • Your horse trailer detaches from the vehicle, swerves on the road, and hits a car

  • Your horse trailer hits a pedestrian while you’re reversing

  • Your horse trailer is poorly maintained. One of its parts loosens up and hits a pedestrian or a vehicle

Cover the Repair or Replacement of Your Horse Trailer 

A trailer endorsement can be included in commercial auto insurance. Basically, its job is to repair or replace your horse trailer in case of damage or destruction caused by theft, vandalism, vehicular accidents, lightning, weather, and other covered perils. The payout you’ll receive will be equal to the current resale value of the horse trailer before it got damaged.

General Liability Insurance for Horse Trailers

CoverWallet  NEXT (Best) Progressive GEICO Hiscox
Per occurrence limit  $1,000,000 $300,000/$1,000,000 $1,000,000 $300,000/$2,000,000 $300,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $2,000,000 $300,000/$2,000,000 $300,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $100,000 $100,000 $100,000
Waiver of subrogation included? Yes No No Can be included Can be included
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes No Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes

Say what if the horse trailer isn’t running on the road or attached to a vehicle? Will commercial auto insurance cover costs? In most cases, the answer to this question is no. This is why you need general liability insurance. 

General liability insurance will cover claims for bodily injury or property damage if an accident happens under circumstances outside of the scope of commercial auto insurance. Here are some examples:

  • You parked your horse trailer on the side of the road. You didn’t place an early warning device. A cyclist crashes to it and sustains injuries

  • Kids are playing in your horse trailer. One of them falls from the platform. The parents demand compensation for the child’s medical treatment

  • You rented your trailer to another horse farm. It suddenly got defective and caused an accident 

Can General Liability Insurance Cover the Damage to Your Horse Trailer?

Yes. General liability insurance can be added with tools and equipment coverage or inland marine endorsement. This allows the policy to grant a reimbursement, albeit very limited, if your horse trailer is damaged or destroyed due to theft, vandalism, or vehicular accidents. 

Tools and Equipment Insurance for Horse Trailers 

Aggregate limit $3,000/$10,000 $15,000/$25,000 Up to the value of your horse trailer
Covers hired and borrowed equipment? $3,000/$10,000 No Up to the value of your horse trailer
Miscellaneous equipment also covered? $5,000/$10,000 Yes Up to the value of your horse trailer
Offered as an endorsement to general liability insurance? Yes Yes No
Deductible $500 $0 $500-$1,000

A tools and equipment insurance grants coverage if your horse trailer gets damaged or destroyed while it’s stationary or attached to a vehicle. This will reimburse the repair or replacement of your horse trailer if it gets damaged due to fire, theft, vandalism, operator error, or sudden defects. 

Policy limits range between $10,000-$50,000 or more. In some cases, insurance companies decide the amount of coverage you’ll receive based on how much money it will take you to replace or repair the horse trailer.

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Commercial Property Insurance 

CoverWallet NEXT (Best) Hiscox
Building coverage limit (minimum) $50,000 $300,000 $25,000
Contents coverage limit (minimum)* $50,000 $18,000 $25,000
Outdoor signs Excluded $2,500 Excluded
Accounts receivable  Excluded Excluded Included
Money and securities Excluded $2,500 Included
Lock and keys  Excluded $2,500 Excluded
Business interruption floater Excluded Included Included
Equipment breakdown floater Excluded Included Excluded
Inland marine insurance floater Excluded Excluded Excluded
Employee dishonesty floater Excluded $5,000 Included

Commercial property insurance is usually used to cover buildings such as barns, offices, and facilities. However, you’ll be surprised that this can also be used as a horse trailer insurance coverage. 

You must be asking why, and here’s the answer. Commercial property insurance comes with contents coverage*. This contents coverage allows commercial property insurance to not only cover the building but also anything within its premises. Here are some situations where this can apply:

  • A fire engulfs your horse boarding facility and the horse trailers in the garage or got damaged or destroyed

  • Thieves break into a building you are insured with commercial property insurance. They successfully managed to steal the horse trailer kept inside

Contents coverage will grant a reimbursement based on the estimated value of the horse trailer that got damaged or destroyed because of an incident included in the terms of commercial property insurance. 

Business Owner’s Policy 

CoverWallet NEXT (Best) Hiscox
General liability aggregate limit  $2,000,000 $300,000/$1,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $25,000 $25,000
Optional policies can be added? Yes Yes Yes
Name additional insureds for free? Yes Yes Yes
BOP discount? Yes Yes Yes

You can bundle your general liability insurance and commercial property insurance into a business owner’s policy. In a nutshell, you can use this insurance to simultaneously:

  • Cover the bodily injuries or property damage caused by your horse trailer

  • Reimburse the value of the horse trailer and the building where it’s stored

Getting this insurance is smart if you want to get two types of coverage without spending much. Purchase a business owner’s policy and you’ll enjoy a 5%-10% discount or more depending on which insurance company you work with. 

Inland Marine Insurance for Horse Trailers

Say what if you need to relocate to another area and the horse trailer you own needs to be hauled through a truck? How do you protect your precious equipment in this case?

The solution is inland marine insurance. Inland marine insurance is a type of property insurance product that will reimburse the value of the horse trailer if it gets damaged or destroyed during the trip due to:

  • Accidental unloading

  • Negligence of the shipping carrier

  • Upset

  • Vandalism

  • Theft

  • Lightning

  • Malicious mischief

Trailer Interchange Insurance for Horse Trailers

Trailer interchange insurance allows you to cover the repair or replacement of trailers that were leased, rented, or borrowed under a trailer interchange agreement. You can purchase this as a stand-alone policy or as an add-on to commercial auto insurance. 

Horse Trailer Breakdown Cover

Experiencing a breakdown is distressing enough. While you might access equine trailer breakdown assistance, these services can be costly, especially if the trailer fails outside regular business hours. 

A horse trailer breakdown cover takes care of  repair and replacement expenses after breaking down.

Besides covering the mechanical failures and towing costs, horse trailer insurance and breakdown cover protects you in other events, including:

  • Emergency expenses – Sometimes your trailer may fail in the middle of nowhere; in such a case, your horse trailer insurance will cover the expenses of emergency accommodation or transportation for you and your horse.  

  • Roadside assistance – Roadside assistance coverage takes care of the costs for tire replacement and tire repair. This even acts as a horse trailer towing insurance that reimburses the cost of towing services if you need to take the horse trailer to a repair shop after it breaks down

Note that horse trailer breakdown insurance doesn’t cover a horse trailer you borrowed. In the same way, you can’t use this insurance to take care of expenses if your horse trailer breaks down while being used by another person. 

Are There Insurance Policies That Cover the Horses I’m Transporting in the Horse Trailer?

There are insurance endorsements that can be used for horse transport insurance. Particularly, deck collapse coverage, livestock transit coverage, limited livestock transit coverage, and carcass removal coverage. 

Livestock transit coverage is a type of commercial horse transport insurance that is underwritten as an all-risk policy. This means that it can cover all of the common accidents that might happen while horses are loaded, transported, and unloaded from your horse trailer. 

Limited livestock transit coverage is a less comprehensive version of livestock transit coverage. This only covers the perils you list on its terms. Those you willfully or accidentally exclude aren’t covered. 

It’s rare for the deck of your horse trailer to collapse due to the sheer weight of its load. But if this occurs, you will sustain hefty financial losses. Insurance companies cover this exposure through deck collapse coverage. 

Of course, you’ll need a horse transport business insurance that will cover the cost of removing the bodies of dead horses from the road in case of a devastating vehicular accident. This is where carcass removal coverage comes in. This will reimburse what you spent on carcass removal services. Cleanup costs might also be covered. 

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Horse Trailer Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $35 $420 $0-$500
Commercial property insurance $50 $600 $1,000-$2,500
Business owner’s policy $80 $960 $500-$1,000
Commercial auto insurance $120 $1,440 $500-$1,000
Equipment breakdown insurance $40 $480 $500-$1,000
Inland marine insurance Depends on the value of your horse trailer Depends on the value of your horse trailer $2,000-$5,000
Tools and equipment insurance Depends on the value of your horse trailer Depends on the value of your horse trailer $1,000

The average horse trailer insurance cost is $35 per month or $420 per year for a $1 million general liability policy. This figure is just an estimate. You might encounter the same rate or not depending on several factors, including:

  • The trailer’s market value, make, and model

  • The distance and destination 

  • Your driving record and claims history

  • Where you live 

  • Deductible level

  • Your trailer storage location and practices

Don’t forget to compare horse trailer insurance quotes online to enjoy great rates. Start by clicking the get quotes button on this page. Further ways of saving money on premiums are having high deductibles, insuring that your horse trailer is in good condition before purchasing coverage, and telling the insurance company that you ask borrowers or renters to get a trailer interchange insurance. 

In connection, the table below shows how much the $1 million general liability policy from companies that offer a cheap horse trailer insurance quote:

Cost per Month Cost per Year Best for
NEXT $18 $216 Best overall; Fastest general liability insurance for horse trailers
CoverWallet $22 $264 Comparing horse trailer insurance quotes online
Tivly $25 $300 Comparing horse trailer insurance quotes over the phone
Hary Hall $28 (per quarter)
$336 Horse trailers owners looking for insurance from an equestrian-focused provider
Hiscox $29 $348 Horse trailer insurance with automatic policy renewal
GEICO $30 $360 Customers looking for insurance with relatively lower limits
USAA $35 $420 Horse trailer insurance for active military members and veterans
State Farm $37 $444 Comprehensive emergency roadside assistance coverage for horse trailers
Progressive $41 $492 Horse trailer owners looking for insurance with higher replacement costs coverage limit
Farm Bureau $47 $564 Customers wanting to integrate horse trailer insurance into personal auto coverage

Compare Cheap Horse Trailer Insurance Quotes Online

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Best Horse Trailer Insurance Companies

Now that you’ve understood the importance of horsefloat insurance, the costs, and coverage, we want to provide you with leads on the best horse trailer insurance companies. Here are the top providers to consider. Read to know their pros, cons, and cost of a $1 million general liability insurance.


NEXT Horse Trailer Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for horse trailers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies


  • Couldn’t find any

NEXT can cover your horse trailer using its general liability insurance, commercial property insurance, and tools and equipment insurance. The contents coverage of NEXT’s commercial property insurance provides $18,000. On the other hand, its tools and equipment insurance grants $3,000-$10,000 worth of coverage. NEXT’s general liability policy can provide $300,000-$2 million worth of coverage for accidents your horse trailer causes. NEXT can also give a commercial auto policy. However, this is underwritten by Progressive. 

Best for: Best overall; Fastest general liability insurance for horse trailers

Average cost: $18 per month

Our rating: 10/10

CoverWallet Horse Trailer Insurance


  • Compare horse trailer insurance quotes online

  • Unique endorsements can be added to general liability, commercial property, and commercial auto liability to grant comprehensive coverage for your horse trailer

  • Easy online policy management

  • Cancel your coverage anytime


  • Not an insurance company but an insurance broker

CoverWallet’s horse trailer insurance offers general liability, commercial property, equipment breakdown, and commercial auto insurance. This company’s general liability insurance can cover up to $1 million-$2 million worth of accidental injuries or property damage that can be traced to your horse trailer. CoverWallet’s commercial auto policy, on the other hand, offers up to $15,000-$25,000 coverage for accidents that happen on the road. 

Best for: Comparing horse trailer insurance quotes online 

Average cost: $22 per month

Our rating: 10/10

Tivly Horse Trailer Insurance


  • Responsive customer service

  • Compare quotes over the phone

  • A partner of many reputable insurance companies 


  • You need to call to get a quote 

Tivly helps you get covered by hooking you up with its partners. Through this company, you can buy the horse trailer insurance policies of reputable insurance companies. To get covered, you need to call a Tivly representative and compare quotes over the phone. 

Best for: Comparing horse trailer insurance quotes over the phone

Average cost: $25 per month

Our rating: 10/10

Hiscox Horse Trailer Insurance


  • Automatic policy renewal

  • Worldwide coverage

  • Fast to handle claims

  • An insurance company with a good reputation and considerable experience


  • Not a BBB accredited company

Hiscox grants a general liability policy, commercial property policy, commercial auto, and tools and equipment insurance for horse trailers. You can get a quote through Hiscox’s website, an agent, or from companies that work with Hiscox. This company’s general liability policy has a $300,000-$2 million per occurrence and aggregate limit. The tools and equipment insurance, which you can avail as an add-on to general liability insurance has a $15,000-$25,000 limit.

Best for: Horse trailer insurance with automatic policy renewal

Average cost: $29 per month

Our rating: 9/10

Horse Trailer Insurance GEICO


  • Discounted insurance cost for bundled-up policies

  • Online insurance purchase available


  • Other policies are offered but through a third party

GEICO has been in the insurance industry since 1936. The company has an extensive understanding of the horse hauling trade, the risks involved, and the right policies to cover them. With GEICO, you can get enhanced horse trailer insurance coverage with policies that cover the unique risks you encounter on the road:

  • Total loss replacement

  • Replacement cost personal effects of $1,000 or $5,000 with Comprehensive and Collision Coverage

  • Emergency expense coverage of $1,000 

  • Medical payments coverage

If you operate a business, GEICO also provides horse transport business insurance with various options for small companies: business owner’s policy (BOP), general liability, professional liability, commercial auto coverage, and workers’ compensation. 

The provider also offers cost-saving opportunities with discounts on insurance for bundled-up policies (two or more coverages in a single policy). In addition, customers can conveniently apply for and purchase insurance for horse trailers with living quarters on the company’s website. The disadvantage is that they can’t file insurance claims online unless it’s a commercial auto insurance claim.

Best for: Customers looking for insurance with relatively lower limits

Average cost: $30 per month 

Our rating: 8/10

USAA Horse Trailer Insurance


  • Online quotes available

  • High AM Best rating for financial stability

  • Excellent user-friendly experience

  • Customers can access insurance certificates and track claims online


  • No official claims processing timeline

USAA was established in 1922 in San Antonio, TX, to provide insurance to active military servicemen, veterans, and their families. Today, the company serves millions of insurance customers across various industries, including horse transport. With USAA horse trailer insurance, you get:

  • Comprehensive and collision coverage if your trailer is damaged because of an accident, theft, fire, vandalism, or weather

  • Uninsured/underinsured Motorist Coverage–If a driver without insurance hits your trailer, this policy covers your injuries, trailer damages, and lost wages.

  • Liability coverage for third-party injuries and property damages

  • Discounts for safety, multiple policies, and original ownership

While the company doesn’t provide customers with the convenience of adding other insureds and filing claims online, horse trailer owners can get insurance quotes, access their insurance certificates, and track their claims over the internet. USAA is an AM Best-rated insurer, so customers can rest assured that the company has the financial capability to settle their claims. 

Best for: Horse trailer insurance for active military members and veterans

Average cost: $35 per month

Our rating: 8/10

State Farm Horse Trailer Insurance


  • Numerous channels for filing a claim

  • High customer satisfaction rating

  • Available in all 50 states, plus Washington, D.C.


  • Policyholders have limited online capabilities

  • No online quotes

State Farm is one of the best insurance providers, with over 100 years of experience in the industry. The company offers insurance policies to cover a wide range of trailers.

The Illinois-based insurance provider offers general liability insurance to cover physical damages and liability coverages. Its insurance policies include:

  • Comprehensive and collision coverage

  • Emergency roadside assistance (although some restrictions apply)

  • General liability insurance

  • Medical payments coverage

  • Personal injury protection 

State Farm’s equine trailer insurance is available in all 50 states and Washington, D.C. That enables customers to work with local insurance agents who have local authority in the industry and can review the risks to offer individual customers proper coverage and insurance quotes. Additionally, horse transport business owners can add professional liability coverage to their business owner’s policies  for more protection. 

Best for: Comprehensive emergency roadside assistance coverage for horse trailers 

Average cost: $37 per month

Our rating: 8/10

Progressive Horse Trailer Insurance


  • Discounts available when you combine business and personal auto insurance

  • A range of horse trailer insurance policies


  • Insurance only available through local agents

  • Customers can’t file claims through Progressive (except for business auto)

Progressive provides horse trailer insurance coverage under its trailer insurance policy, which also offers protection for various types of trailers.

The company’s insurance portfolio features a range of horse trailer insurance Progressive policies, and customers can choose which purchase to get the best protection. They include:

  • Comprehensive and collision insurance 

  • Replacement cost and personal effects-covers your personal property (cargo and gear) with up to $99,000 in coverage

  • Emergency expense coverage-provides up to $750 or $2,000 for transportation and accommodation if the trailer breaks down over 50 miles from home

Best for: Horse trailer owners looking for insurance with higher replacement costs coverage limit

Average cost: $41 per month

Our rating: 8/10

Hary Hall Trailer Insurance 


  • Equestrian-focused insurance provider

  • Offers membership with discount perks


  • Non-members may incur higher insurance costs

Hary Hall was founded in 1870 and has become one of the top equestrian insurance products and service providers. The company allows customers to join its Harry Hall One Club – a membership that provides networking opportunities and access to discounts on equestrian brands. 

Its One Club member-exclusive equine trailer insurance comes with accidental damage and theft protection with three coverage limits: $2,470, $6,170 or $9,880. The member-only insurance coverage also features recovery, delivery and hire trailer expenses. 

If you operate a commercial horse transport business, Harry Hall also provides third-party Insurance, which includes public liability coverage and personal accident insurance. 

Best for: Horse trailers owners looking for insurance from an equestrian-focused provider

Average cost: $28 per quarter

Our rating: 8/10

Farm Bureau Horse Trailer Insurance


  • Provides coverage for a wide range of recreational trailers and vehicles

  • Superior claims service

  • Offers a wide range of discount opportunities

  • Online quotes available


  • Customers are restricted to purchase insurance from agents

With Farm Bureau Insurance, you don’t have to give up protection to transport your horses to a show, competition, or any other destination. If you have personal auto coverage, you need not purchase a separate policy because members can add their horse trailer insurance to the auto policy. 

The insurer provides horse transportation coverages that go the extra mile. The company also bundles up policies, which means you get a single policy for one premium. These policies include:

  • Collision coverage

  • Comprehensive coverage

  • Uninsured/underinsured motorist coverage

  • Bodily injury and property damage liability coverage

Farm Bureau has been rated as one of the best insurance companies regarding claims settlements. Its excellent paying ability has earned it a good track record for quick and fair claims service with over 90% success rate. Additionally, the provider offers customers various ways to save on insurance through discount gateways, such as membership to Farm Bureau Member’s Choice, low mileage discount, claim-free discount, etc.  

Best for: Customers wanting to integrate horse trailer insurance into personal auto coverage

Average cost: $47 per month 

Our rating: 8/10

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