We have ALL (vehicles, home, etc) our insurance with State Farm & our 02 Bambi runs $37 per month. Our insurance agent told us that we must carry seperate insurance for the trailer, even while parked at home for the winter. Homeowners Ins would only apply to liability & not carry thru for damage to the A-S. At first I was going to cancel the A-S Ins for the winter, until I was told that then I was going to raise the deduct for the winter months, but they would not go for it. If we do raise the deduct, then the premiums will be prorated. They told me I could only change the deduct once, then there would be a charge after that. I would question your agent regarding just what is covered, if you do not carry insurance on the TT. I would bet that your homeowners Ins will not cover damage to the TT.
Home of the Wayward Wind
Bogfrog & Mr. Turbo
If in life you stumble, make it part of the dance