A policy can include liability while the trailer is set up at a campsite, which your auto policy may not provide.
Yes, full-timer considerations may apply if the trailer is your residence rather than recreational.
The state does not generally require it, though lenders often do on a financed trailer.
Towing liability generally follows the tow vehicle, but that usually does not cover damage to the trailer or its contents. A separate policy helps address that. ...
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