Is a work trailer cover by homeowners insurance?

In most cases, a work trailer used for non-commercial purposes will be covered under homeowners insurance. For personal trailers used for hauling equipment, tools, boats or other personal items will typically be covered by a standard homeowner's policy in the amount of the policy's personal property sub-limit. This coverage includes accidents, theft, hail and vandalism while the trailer is attached to a vehicle or detached.

However, homeowners insurance policies typically do not cover work trailers used for commercial purposes.

If you own a work trailer used for commercial purposes, separate business insurance coverage or a commercial auto insurance policy will likely be required. Commercial auto insurance provides liability coverage in case of accidents involving your work trailer and can also offer optional physical damage coverage for the trailer.

It's important to confirm the coverage details and limits for your work trailer with your insurance provider, as policies may vary and additional coverage options may be available. Ensure that the value of your work trailer is accurately reflected in your insurance policy to ensure adequate coverage.