I worked for AAA in No Cal for many years. If you want to cover the camper for physical damage like collision,fire,theft,or if a tree falls on it, it has to be listed as an item on your policy.There would be a charge for comprehensive and collision and also has a deductible separate from your deductible on your car/truck Liability is covered while the camper is mounted on your truck without any additional premiums. Home owners insurance does not cover your camper but does cover most personal property items like clothes, camping gear,electronics, etc. Every insurance company is different on their coverage - do not depend on what someone else's insurance company says. Insurance companies also change their coverages so what might be covered today can change at your next renewal. Call your agent and ask specifically that you want your camper covered for physical damage if that's what you want- if they say you don't need to do anything - get it in writing or verify with an e-mail. You need a paper trail if you're declined coverage. Remember - nothing is free !! Now if you don't care about covering the camper if it get totaled along with your truck you don't have to add any coverage. It is considered part of your truck while attached to it and liability coverages apply. That said - it's been 5 years since I worked at AAA so coverages might have changed. Call your agent !!!!!