If you are towing a trailer or another vehicle and wish to insure for
physical damage, you must declare it on your online application. Otherwise,
any unit you tow that is not listed on this policy will be covered for
Third Party Bodily Injury and Property Damage Liability only.
Coverage for Theft and other damage to a towed vehicle on this policy
applies ONLY if you include a dollar value for the towed vehicle and only
when the towed vehicle is loaded on a trailer and hitched to the power
If the towed unit you declare is a boat, motorcycle, or ATV, there is no
coverage under this policy once it is unloaded or the trailer is unhitched
from the power unit.
If the vehicle you are towing is self-propelled (such as an RV towing an
SUV), a separate policy is needed to cover the towed unit while it is being
In this scenario, issue the first policy covering the RV for Physical
Damage and Liability (listing the towed unit for $ 0 value), and issue a
second policy covering the SUV for Physical Damage and Liability while it
is self-propelled or towed.
Each self propelled vehicle that is being towed must ALSO have its own insurance policy when it is being driven.
Mon.-Fri. 7:00 AM - 6:00 PM MST
Sat. 7:00 AM - 5:00 PM MST
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