What would happen if the load you were towing behind your car became unattached and ran out of control down the highway? Would your current auto insurance cover you if someone were hurt? Would it cover damage to your trailer and its contents?
There's more to towing something behind your car than just attaching a trailer hitch. You need to make sure you have all the insurance coverage and know-how to keep your summer fun and worry-free.
Liability insurance coverage
If you are not worried about the unit you're towing or its contents, your existing auto insurance coverage is enough to get you on the road. If anyone or anything were damaged as a result of your trailer while it was in transit, the liability portion of your auto insurance policy would cover you.
If for some reason your trailer started rolling while it was parked in your driveway, your standard home insurance would most likely cover any resulting damage or injury. But you have to check your property policy carefully as sometimes they exclude coverage for trailers.