Originally Posted by mwells4654
According to my insurance company (GEICO) the liability portion of my trucks insurance also covers anything I tow.
Most insurance companies work like that, but you need to check on coverage for (1) when it's not hooked up, and (2) set up on a campsite.
State Farm told me a camper was only covered when in transit. If it was disconnected (sitting in my driveway, or storage lot), or set up as "living quarters" (like on a campsite...even if still hooked up to my truck) than it was not covered by my truck policy. It needed to have its own policy.
It's all a racket. You just need to make sure you are covered for your specific needs.