A few years ago my neighbor's tree fell on my camper in my yard while off my truck. Camper was totaled. I had a separate policy on my camper to cover collision and comprehensive. This policy covered the totaled camper with an agreed payout by insurance company. I asked my insurance company about my homeowners policy covering any of the damage and (in the fine print) they told me that my homeowners would have only covered up to $3000 damage, to include any other damage/clean-up that needed to be done.
Also, as mentioned above by the poster that contacted GEICO, my insurance company told me that my truck insurance only covers liability as the camper is "cargo" under that policy but if I were to have a wreck and damage my camper while on the truck, the separate camper policy would cover any claim. My premium at the time was only $68.00/year for the comprehensive and collision so well worth the added security. I now pay about $200/year for the same coverage but I also have a newer camper...
Registration, on the other hand, is a topic that varies state by state so no one answer will cover that question... check with your state's motor vehicle department/registry.
