I have a 23 ft travel trailer and am paying $320.00 per year for insurance. I recently read somewhere that it was not necessary to have full coverage on the camper as my auto insurance would cover the camper if if was demolished in an accident while attached to my truck and that my homeowners insurance would cover it if a tree fell on it in my yard. Does anyone know FOR SURE what the story is. I doubt that my insurance company would be truthful with me as I have read so much bad stuff about them lately. It seems that everytime I hear from them, it is only to let me know what else they WON'T cover.