If you own a horse, having a way to transport it is a necessity, but it is a big investment, especially when adding in the horse trailer insurance cost. Luckily, the cost to insure a horse trailer is pretty reasonable.
The takeaway here is to always get specialized horse trailer insurance. Your auto policy will not protect your investment, it will only cover damage you cause to someone else. Read your policy carefully before agreeing to it to make sure you get the coverage you want.