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[A/S] Airstream Insurance
You are half right. Liability Insurance flows from your vehicle to
any attached trailer. The problem is physical damage!! If you want
your trailer covered in case of accident, damage, theft, etc. you
must get coverage for Physical damage. Also, you must look at your
liability limit on your vehicle to see if it is enough to cover your
assets. Remember, you are not only driving a vehicle, you have a
trailer attached and the potential for damage to others is great so
make sure you have enough limits for multiple injuries/deaths.