Last week, we talked about a few ways to keep your horse trailer safe. But security measures such as sturdy locks and trailer alarms aren’t the only ways to protect your investment. First and foremost, you need to consider buying horse trailer insurance.

Your car insurance provider may already provide coverage plans for your horse trailer. If it does, this will almost always be your most cost-efficient option. If it’s not offered outright, be sure to ask if you get any discounts for insuring multiple vehicles through one provider. If not, you may want to consider switching to an insurer with such benefits.

And once you’re ready to buy, not all plans are the same. You may be able to add extended coverage, such as damage from natural disasters, which are not typically covered in basic plans. You can also choose between options for pricing, such as insuring your horse trailer for the amount you paid for it or the amount it would take to replace it. You may even be able to negotiate a fixed price to cover your horse trailer’s worth.

A few things to look for in a standard plan include coverage for parked or moving trailers, theft, collision, towing, roadside assistance and fire damage. Of course, you also want to be sure your belongings within the trailer are covered—including your most prized possessions, your horses.

Don’t hesitate to ask Phoenix Coach Works, Inc. for advice about how to best buy insurance for your new or refurbished horse trailer.

Not only is it a significant expenditure to buy your horse van or trailer itself, but most of the time, it’s full of valuable tools and equipment you need for your horses, shows and transport. Good people like you aren’t the only ones aware of the worth of a horse trailer and its contents—there’s unfortunately a large market for theft targeting this type of vehicle. That’s why insurance and other forms of protection are so vital to horse trailer ownership.

Security System

Naturally, the first thing that comes to mind is installing a security system. There are many types out there for rigging your doors and windows, and a little research will go a long way when it comes to tailoring one specifically to your rig. From a simple auto-lock mechanism to an alarm to a GPS tracking system, there’s an option at every price point. Just remember, any additional security you add is going to pay for itself in peace of mind.

Locks and Bolts

You’ll also want especially strong locks on all of your doors—whether for people or horses. A thief with a simple lock-picking toolkit could make your life very difficult if you don’t start out with locks that deter thieves from even trying to break into your horse trailer. Compared to a security system, this may be a cheaper way to wisely protect your horse trailer while it’s parked on a lot and you may be too far to hear a siren (unless you’ve installed an alarm that also automatically notifies authorities, which may be wise if you’re often away from your trailer chock full of valuables). At Phoenix Coach Works, we always install high quality, theft deterrent locks on all of our horse vans and trailers. If you have a used horse trailer that needs an upgrade on its lock and bolting system, bring it by and we can help you install one.


Phoenix Coach Works Inc. likes to think that our clients are smart enough to protect their investments with the proper vehicle insurance. But that being said, how covered are you really? Let this serve as a friendly reminder to review your policy and be sure you’ve got the coverage you need for your trailer on the road and parked in storage–for the vehicle itself and for the items inside. Is towing covered? What about natural weather damage? Stay safe and stay smart by reviewing and updating your existing insurance.

Next week, we’ll talk more about horse trailer insurance. In upcoming weeks, look for articles about other interesting and clever security ideas at varying price points. As always, feel free to call us or drop by to discuss the best protection for your horse trailer.