What's everyone doing with insuring their enclosed trailers? This past fall I bought a Lightning (Forest River brand) aluminum enclosed 7X16 trailer. Came with fold out beds & roof top AC. So far I haven't insured it since it has only been sitting in my driveway & I don't have any trees to fall on it aside from my neighbors maybe lol.
I called progressive who I have our auto, motorcycle and RZR insurance through. By the time I was done with the gal on the phone I was at anywhere from $300-450 a year for insurance. Just having $5k coverage for roof damage added like $50 a year to the policy. Then if I added any significant amount of coverage for items stored in the trailer it got expensive fast. When I said I needed a minimum coverage for a $50k motorcycle the trailer policy skyrocketed lol. I think I need to see if my MC or RZR policies have coverage of their own if in a trailer (whether just being stored on my property or going down the road). If they do, then I'd imagine I'd just have trailer coverage for like a generator and some other loose items etc.
This is my first enclosed trailer of any real value, so I'm not really sure what things cost. The trailer isn't a toy hauler per say, since it doesn't have a toilet, sink etc (unless I add stuff I suppose). I do have my 6x12 aluminum open trailer as well, but that's covered under my auto policy I believe for a small amount.
Thanks for any info!