We switched both our vehicles and TT over to the "lizard" (GEICO), resulting in a significant saving over prior coverage with State Farm (32 years). GEICO extends the "automotive" coverage features to the TT when hitched to our truck, (liability, uninsured motorist, etc). The coverage separate from the vehicle coverage are: Personal belongings ($5000),Collision, Comprehensive, Medical Payments ($1000, Vacation Liability ($10000 IIRC), & Roadside Assistance. They offer a collision and comprehensive total loss replacement cost or purchase price rider. One provides coverage for the first five years of the policy, the other for the first eight years. I don't know if you can purchase both or can only purchase one of them. They do add significant cost to the policy, so I opted not to purchase either one at this time. Our cost per six month policy period is $204.60, which I don't consider bad since we store the trailer away from our home in storage facility.