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Generally your own car insurance policy will not extend to a U-Haul, Ryder, Penske or other type of truck you rent to move your belongings or to a rented trailer. However, if you have collision and comprehensive on the vehicle on the trailer, it should cover the car if it's damaged during transport.A personal auto insurance policy gives coverage to passenger vehicles, such as your own vehicle, and many times to a rental car, but not to commercial vehicles or rented trucks.f you are towing the trailer with a vehicle that you don't own, then car insurance coverage usually won't extend to that non-owned trailer. Policies do vary. So, review your policy and then speak to your insurance agent if you need clarification on if there is any coverage extended in your specific situation.
I highly recommend your HOA gets liability insurance. It can be expensive in some areas. Only a few companies do carry insurance for HOA's. Our policy even covered board member's if they were in car accidents during the carrying on of HOA business.ou may want to read the property's liability insurance to see if board member protection is included. It could be or it may not be. I know as a former board member, that other board members refused to run for office if they weren't insured.