This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. ...
I have insurance on mine, it was relatively cheap, 120 or so for the year on a 10k camper. I was told the same, liability is covered by auto , everything else is on the camper insurance. It would probably depend on state, and compony as to whats covered. Everywhere is diffrent.