You do NOT need PHYSICAL DAMAGE insurance on the travel trailer unless you have a loan against it or have used it for collateral on the loan and the lender is requiring it.
Liability insurance extends from the PULLING unit "while it is attached" and you can get some limited coverages on most personal auto policies.
Look around and find you a specialty carrier for the travel trailer such as Progressive, Foremost, American Modern Home - just to name a few - and they should be able to provide you with affordable coverage.
You will find that it is NOT as costly as the motorhome insurance, although, if you factor in the cost of the insurance on the towing unit, you may have had less premium with the motorhome!
Good luck and I hope this helps!
I have a class c motorhome i'm lookin to trade for a travel trailer . do i need insurance on the tt?
Not if you pay cash for it! The liability for the trailer will follow the truck that pulls it.
Reply:I don't think you need it in most states.
If the truck towing it has insurance, you don't need it on the trailer.
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