You should always carry insurance for anything capable of going down the road.
Stabilizers? Most any RV parts store sell stabilizers for between 75 and a hundred dollars a pair. If one is damaged, go buy a replacement pair and bolt them on.
Towing package? You must have a brake controller and working brakes on the trailer. On top of that a decent equalizer type hitch setup is what you need. After that and depending on setup you may want to add sway control. Friction types are around 75 dollars each. Dont skimp on hitch. It may pay for itself in saved lives.