My State Farm coverage is similar to OneReallyOldGuy.
While towing:
Trailer liability: Comes from Truck's policy
Trailer Comp/collision: Comes from RV policy
While not towing:
Trailer Liability: comes from either Home policy or personal umbrella
Trailer Comp/collision: comes from RV Policy
My RV policy specifically states there is NO LIABILITY coverage.
That said, my agent did warn me of this--since the liability is covered by the tow vehicle, be sure you know the limits of any vehicle who could potentially tow your trailer (ie,your kids, your friends in case you let them use your trailer, etc, your buddies who tow your rig in an emergency). He suggested a towing service is the best bet if you can't tow it yourself.
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