4 Questions You Didn’t Know You Had About Horse Trailer Insurance

horse trailer insuranceYou’ve got insurance for your tow vehicle, so your horse trailer is covered, right?

Think again.

Having the right horse trailer insurance is important not only when a crisis strikes, but also for your peace of mind while traveling with your four-legged best friend.

Yet many people drive for years with inadequate coverage, only discovering the holes in their insurance plan when it’s too late.

Of course, every situation is different depending on your trailer, horse, and travel needs. That’s why it’s so important to communicate with your insurance agent so you know you have the right coverage for your circumstances.

Here are some key questions to ask your agent regarding horse trailer insurance:

1. Do I have comprehensive/collision coverage?

This is one of the biggest misconceptions we see among horse trailer owners: they know their towing vehicle insurance extends to their trailer, but don’t realize that the insurance only covers liability—not damage or theft.

In other words, they’re covered for costs involving damage to someone else’s property or injuries caused by their trailer. But they’re not covered for the cost of damage to their trailer and trailer contents in an accident, storm, or other crisis.

To protect your trailer, you’ll want to ask your insurance agent about comprehensive and collision coverage.

Most vehicle insurance companies will simply add an endorsement to your existing policy, which extends comprehensive and collision coverage to your trailer. This is typically a minor expense per year.

If your insurer requires a separate policy for the trailer—rather than merely adding a trailer endorsement—then you should consider shopping around.

Here in Virginia, we typically recommend that trailer owners consider pricing horse trailer insurance options with their local Farm Bureau agent (no affiliation to Blue Ridge Trailers). Farm Bureau offers several different coverages for trailer and trailer content protection. Adding a standalone policy can be very expensive, so shopping might very well pay off.

2. Are the contents of my trailer covered?

You don’t just want to protect your trailer, but also your property inside it.

Ask your insurance agent whether your trailer contents would be covered in cases of damage or theft. Note that your homeowner’s policy might cover trailer contents rather than your vehicle policy in the case of accident or theft, so make sure to ask your agent about this as well.

Be aware that “trailer contents” refers to equipment and gear, not your horse itself. You may want to consider a policy to cover your horse(s). The major national companies offering equine insurance are Taylor, Harris Insurance Services, EMO, Marshall and Sterling, and Markel. There may also be coverage available in your area from a more local company.

3. What will happen if I have a breakdown with my horse in the trailer?

Here’s something I learned the hard way. Some insurance companies (and roadside assistance companies like AAA) will tow your vehicle if you have a breakdown, but won’t extend roadside service to your trailer.

I can tell you that it’s incredibly stressful to have a horse in a trailer on the side of the highway, under the sun, and no way to get it moved to a safe place. Ask your insurance agent and/or roadside assistance company whether your trailer and horse(s) will be covered for breakdown services, and if not, you might consider looking into another policy with a company that offers national roadside equine services.

4. Is my trailer covered when it’s parked?

It’s easy to forget that trailer problems don’t just happen on the road. Ask your insurance agent how you’re covered in the case of storm damage, fire, and theft when your trailer is parked. If you store your trailer on someone else’s property or farm, you’ll also want to know how that impacts your coverage.

 

Insurance is complicated, yes? Who knew? Now the necessary homework is up to you!

Want more tips on trailers and horse care? Subscribe to our free newsletter and get ‘em straight to your inbox.

Buying a River Valley Horse Trailer? 5 Features to Consider

river valley horse trailersChoosing the right trailer is one of the most important ways to ensure your horse’s comfort, health, and safety. If you’re like me, you want a trailer built by a team that understands how important this decision is. You’re looking for a trailer made by horse people, for horse people—and that’s exactly what the people behind River Valley horse trailers are proud to be.

But what does that mean for the design and features of their trailers?

Let’s take a look at some of the key elements:

5 Key Features of River Valley Horse Trailers

1. 20-year Warranty Rumber Flooring

One of the biggest benefits of River Valley horse trailers is that they include Rumber flooring with a 20-year manufacturer’s warranty.

We’ve discussed the benefits of Rumber flooring before, but they’re always worth mentioning. Rumber is tough but flexible, giving horses a firm footing while also cushioning the floor. As a result, Rumber causes much less muscle fatigue or joint stress on horses during transportation when compared to aluminum or wood flooring.

Rumber can be quickly washed off with a hose and its durability helps you extend the life of your trailer.

2. Shallow Ramps

For safe and easy loading, River Valley trailers have 54-inch rear and side ramps, which are less steep than the traditional 48-inch ramps.

Here at Blue Ridge, we’re fans of the side ramps in particular. Side ramps allow horses to come forward down a ramp when unloading, as opposed to backing up, which is unnatural for them—horses will only move backwards instinctively when they feel threatened.

River Valley straight load trailers (both bumper pull and gooseneck) at Blue Ridge come with side ramps. The bumper pull with a side ramp is a two-horse trailer and there are two-, three-, and four-horse gooseneck trailers with side ramps available.

3. Front-to-rear Trailer Ventilation

You want your trailer to be sturdy and tough, but it’s just as important to provide a comfortable, low-stress ride for your horse. River Valley trailers offer front-to-rear ventilation to keep temperatures cool and horses happy.

Double windows in the horse area along with windows above the rear ramp and in the dress wall provide complete ventilation for the trailer. The trailers are also insulated the full height of the wall, compared to the 48-inch insulation in most competing models.

Tubular head and shoulder dividers further improve ventilation while also providing more light in the trailer.

4. Eco-friendly Materials

Here’s where that Rumber flooring comes in again. Rumber is made from recycled tire rubber—the tires get heated, plasticized for rigidity and molded into boards.

The resulting product is not only eco-friendly but also durable and non-flammable.

5. Bang for your Buck

We’ve found that River Valley trailers cost anywhere from 5% to 10% less than competing manufacturers. Add the fact that most other manufacturers are not willing to support Rumber flooring, and you’re looking at a great value for cost with River Valley.

 

Want to compare River Valley horse trailers to our other models? Check out the Blue Ridge Trailers horse trailer selection or contact us directly. We’re always happy to answer questions and help you make the right choice for your horse.

RIVER VALLEY SPOTLIGHT: Technology Matters in Horse Trailers

Improvements in technology make things better in our lives. This is especially true in horse trailer construction. Important innovations at the RIVER VALLEY (www.rivervalleyaluminumhorsetrailers.com) horse trailer plant include 20 Year Warranty Rumber Flooring (www.rumber.com), hot dipped galvanized steel frame/floor supports and interlocking insulated wall panels. These construction features make RIVER VALLEY a more comfortable and safer ride for your horses and contribute to long term durability of your trailer.

river-valley-logoRumber flooring was introduced into horse trailers in 1992. The tongue and groove boards are installed running front to back in a trailer. They are supported underneath with side to side floor supports, approximately 12″ to 15″ apart. In between these floor supports, Rumber boards will “flex,” thus reducing physiologic stress on joints and soft tissue. Horses experience less muscle fatigue, and there are no floor mats to pull when cleaning the trailer. Continue reading

Trailering Your Horse: Pre-Departure Safety Checklist

horse-trailering-saftey-checklistLoading your horse into a trailer can be a stressful event. Knowing your trailer and towing vehicle are prepared properly can ease the stress of travel. Take a moment to print out this checklist to keep in your trailer.

Before your trip make sure the vehicle maintenance and trailer maintenance are current. This is very important because towing puts additional stress on the tow vehicle.

  • Check and correct tire pressure on the tow vehicle and trailer
  • Make sure the wheel lug nuts/bolts on the tow vehicle and trailer are tightened to the correct torque. Continue reading

10 Ways to Keep Your Horse Cool During Travel

rumber-trailerThe summer time has a number of horse related activities that we love to attend – horse shows, rodeos, trail riding, and more. It is hard as horse owners to not transport your horse in hot weather and this summer has been exceptionally hot in many areas. Trailering your horse in hot weather can actually be more dangerous than you think. Use these tips to avoid scorching heat and stress that can go along with that:

  1. Easy on the electrolytes. Many people say that you should provide your horse with plenty of electrolytes because they sweat and lose nutrients in the summer. Although this is true, providing your horse with electrolytes before trailering can be a bad idea. Giving your horse electrolytes and not providing enough water while on the road can cause your horse to become severely dehydrated. If you do give your horse electrolytes, offer him water every couple of hours.
  2. Continue reading

5 East Coast Horse Vacation Destinations

East Coast Horse VacationsSummer is here –  finally!  For horse lovers this season is glorious.  It is a time we can get out and ride with no cold weather to deter us.  Heading out in search of new trails is half of the fun.  Based on research and reviews these 5 horseback riding spots warrant a closer look for sure.  So get out there for a great family vacation and you take your horse or try out a ranch horse.  All of the destinations on the list are on the east coast and have not been visited by Rob or Donna Martin.

{If you have dreamed of traveling with your horse, but need a horse trailer, click HERE and we can help with that!}

#1 – Shangrila Guest Ranch, South Boston, VA Continue reading

Why Rumber Floors are a Must

rumber trailerImprovements in technology make things better in our lives. This is particularly true with respect to horse trailer construction.  Innovations include

  • Aluminum construction for lighter weight and lack of surface and frame rust (which reduces trailer life, affects appearance and resale value)
  • Rubber torsion axles providing a lifetime of low vibration suspension
  • Radial tires for less vibration and greater durability
  • One-piece aluminum roofs for longer life
  • 20 Year Warranty Rumber

Continue reading

Is your Horse Safe in your Trailer

Horse in TrailerOur horses are like family members, so we wanted to share a checklist of items to ensure your horse is safe and snug when you load him into the trailer.

Driving the tow vehicle safely is the most important safety feature

  • Maintain distance between the vehicle in front for safe stopping
  • Accelerate and decrease speed slowly as well as while turning corners
  • Maintain a safe speed thru a turn- i.e. braking when turning off an interstate will stop the centrifugal force that holds the horse against the outside wall.
  • An adequate tow vehicle is mandatory. Having more vehicle than you need is the safest way to trailer.
  • Make sure the trailer is large enough for the horse.
  • Use a leather halter or a halter with a leather head stall. Continue reading

Virginia State Trailer Inspections

What You Need to Know About Virginia State Trailer Inspections

The great Commonwealth of Virginia, thankfully, requires that any trailer with a brake, undergo a state certified inspection once every 12 months. This requirement does tend to keep those dangerous rigs, currently being held together by baling twine, off the highway. The state police do a relatively good job, considering ever limited resources, in policing this law. We can rest a little easier because our fellow horsemen are by in large obeying this requirement.

This is the good news. The bad news is that state inspection requirements are relatively basic and do not encompass all of those things that should be inspected, at least once every year, regardless of how often your trailer is being used. Continue reading