This thread piqued my curiosity the other day, and so I Google'd the subject in a few different ways (I too worked for an insurance company) and was not really surprised by the results I found. Whether the trailer is automatically covered depends on the jurisdiction (state) and even at that, different insurance carriers within the same jurisdiction will vary as to coverage or not. Bottom line was the advice to check with your insurance agent as to how your policy covers trailers.
Get the info from the source (agent) as it relates to your own policy. You can also contact your company (do it in writing so you have something in writing back) and ask them how they apply the coverage.
As was said earlier, I think, insurance policies are not written by insurers, they are written by lawyers. Nuff said there.
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