RAS43 wrote:
Trailer will need collision and comprehensive. If one hits something while moving with the trailer the damage will fall under the collision. That was just discussed here recently and I also had an incident with a tree limb while traveling on a street.
I think you will be surprised, if you talk to a reputable insurance agent or lawyer as to how a trailer should be insured as apposed to a motor vehicle. I cut my trailer insurance premiums significantly by clarifying and understanding the differences after getting educated my insurance agent.