I too am with USAA for the majority of our stuff. That said, they referred me to Progressive for our trailer policy. USAA would cover us under an auto policy, but that doesn't protect us while camping should someone fall, or bonk their head getting out of the trailer etc. the auto part is just for when the trailer is hooked to the TV. Progressive was reasonable in cost, and we worked out an agreed upon value as the NADA guide is almost a third of what it would cost us to replace the trailer with like model and year. (it is a 1997 Excella 34') We worked out the value over the internet via email with Progressive.
Craig and Carol
1997 34' Excella 1000
1970 27' Overlander, International
2009 Ford F150 5.4L
ProPride hitch with 1400# bars
Past President Southeastern Camping Unit (12)