I hope you switched insurance agents.well I too found out trailers are insured but NOT
I had a talk with my agent YRS back when I bought my first trailer and asked it if was covered, gave him Vin and all that on it
so, off I went thinking all was good, as he said YUP your covered when I talked with him and gave him info
Little did he tell me, that it was ONLY covered IF attached to my vehicle?
had trailer and sled on it, chained to a telephone pole at business I had parking lot, and someone came and stole both one night, called Ins and found out, trailer wasn't covered, as it wasn't attached to my vehicle??
sled was so??
he then went on to tell me, IF I wanted to ADD trailer as a self policy, it would have been $7.00 , yup seven bucks a yr to do so and it would have been covered??
well, screw ME< had he told me that when I called him, WHY wouldn;t I have paid the 7 bucks??
but he never told me and I never knew
BUT sure do now, every trailer I have is added as its own deal, cheap too
but I know very few folks that add them, all gamble they will never need it?? CRAZY IMO< due to how cheap it really is to add it??
But live and learn as they say!