Do you have liability ins on your trailer ???

ONLY when we were FT and the RV was our HOME

Now that we are not FT...NO liability on trailer Ins.
Covered by truck ins

Covered by the tow vehicle insurance.

Yes, your auto policy generally extends to liability insurance to trailers that are being towed. Where it gets sketchy is when the trailer is unhooked. There can be significant exposure when your trailer is not attached to the tow vehicle. Your chocking could fail and the trailer roll into something or someone. The previously mentioned injury to someone on the steps or inside the trailer is another possibility. Fire could spread to neighboring rigs. Winds could blow the awning off and it could injure a bystander. Are those things likely to happen? No. But could you financially withstand the hit should the unlikely come to pass? You need to explore the options with your insurance agent. And if you don't have coverage when unhooked, I would spend the couple of hundred a year for peace of mind.

We have "Full" coverage on our 5'er including Liability. You never know when someone will slip and fall inside or on someone like 2oldman stated above. In our opinion we would rather pay a little now for the "Peace of Mind" later. Good Luck and Happy Camping !!!

In Texas, the truck's liability policy covers the trailer.

Rusty

Our insurance company told us the same thing: the truck liability extends to the towed vehicle.

No liability. Assuming that means if someone slips on your steps and falls on a small child holding a puppy, you'll get sued. It's a very rare occasion when anyone other than I is at my trailer door.