The previous poster is correct.
However, from my perspective:
1) If you borrowed against the camper to pay for it, the lender most likely will require you to carry insurance to repay the loan if there is a loss.
2) Auto Insurance - Three types and YOU MUST ADD the camper to your policy for all three
Collision - While connected to your tow vehicle "AND IN MOTION" your auto insurance Collision portion will cover you for loss while traveling.
Comprehensive - Will cover losses while at the campground or in your storage location. (Tree falls on it or it burns up in a fire)
Towing - You should have towing on all your vehicles including the camper (See Bad day - Herk
). You may need to have the truck towed to the dealership and the camper towed to a campground close by.
3) Camper Insurance for repairs - The OEM warranty is for 1 year from date of purchase.
The DEALERS WILL NOT TELL YOU ABOUT THE SECOND YEAR EXTENSION FROM FR ON TRAILERS. See the FAQ for the application form. You can apply directly to FR and it is VERY cheap.
4) Dealership Extended Warranty - (IMO) Expensive and useless as most will only pay "if it is not your fault." Most of them have a high deductible and will make every effort to say whatever broke was your fault.
I got an extended warranty when I bought our camper and discovered WATER DAMAGE (the biggie) IS NOT COVERED. Save your money.