What Progressive Covers for Trailers
Progressive's standard auto policies extend to trailers that are permanently attached to a primary insured vehicle and are used for transportation of goods or passengers. The coverage applies to the trailer's structure, contents, and any damage caused by collision, theft, or weather events, provided the trailer meets the insurer's eligibility criteria.
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Eligibility Requirements
To qualify, the trailer must:
- be legally registered or have a title that lists it as a trailer.
- be used for business or personal transportation, not for storage or display.
- not exceed the weight limit specified in the policy's "maximum load" or "gross vehicle weight" clauses.
Progressive does not cover trailers that are detached, stored, or used solely as a display item. If the trailer is considered a separate vehicle—such as a motorhome or a large boat—Progressive recommends a dedicated commercial or marine policy.
Types of Coverage Included
When a trailer is covered, the following protections apply:
| Coverage Type | What It Covers |
|---|---|
| Collision | Damage from a collision with another vehicle or object. |
| Comprehensive | Non-collision incidents such as theft, vandalism, or weather damage. |
| Liability | Injury or property damage caused to third parties while towing. |
| Uninsured/Underinsured Motorist | Protection if the other driver lacks sufficient coverage. |
Optional Add‑Ons for Extra Protection
Progressive offers add‑ons that can enhance trailer coverage:
- Trailer Warranty: Covers mechanical repairs beyond the standard policy limits.
- Roadside Assistance: Includes towing and jump‑start services for the trailer.
- Personal Property Protection: Extends coverage to items stored in the trailer.
How to Verify Coverage Before You Go
Because policy wording can change, it's essential to review the following documents:
- Policy declaration page – confirm the trailer is listed and its weight limit.
- Coverage section – check for any exclusions related to towing or specific trailer types.
- Proof of registration – ensure the trailer's title or registration matches the policy description.
If any of these documents raise questions, contact Progressive's customer service or your agent. They can clarify whether the trailer falls under the standard coverage or if a separate endorsement is necessary.
When a Separate Policy Is Needed
Large trailers such as travel trailers, fifth wheels, or utility trailers that exceed the vehicle's maximum load or are used primarily for commercial purposes often require a dedicated commercial trailer policy. These policies typically offer higher limits, specialized liability coverage, and tailored endorsements for equipment or cargo.