Originally Posted by Jon in AZ
The other is liability while unhitched, which includes the roll-away situation you describe. Tow vehicle insurance does not cover that kind of liability in my experience. It would be covered by a separate RV policy or by some kind of umbrella liability insurance.
The unhitched trailer liability situation is covered by your homeowner's liability coverage IF you have homeowner's insurance coverage for the home you own. Otherwise coverage would be provided through personal liability policy if you have one at all. Most people do not. Your RV/Trailer insurance coverage "May" also cover this situation IF you have this type of insurance coverage. READ YOUR POLICY to find out!
Renter's insurance provides a basic amount of liability coverage that would extend to the unhitched trailer if you have a "Renter's" insurance policy. Renter's insurance coverage is required by most landlords of their tenants in today's world therefore there is a good chance you could have liability coverage through this policy if you rent where you live.
As is ALWAYS the situation.
READ YOUR POLICY!
If you don't understand the language contact your agent, read the policy together and have the agent explain the coverage to you. Pretty good chance this will be the first time in a LONG TIME that your agent has read the fine print in one of their companies polices!