Repairs are usually covered by warranties, and then you can get a service contract if you wish (the jury seems split on these)
There are a few types of insurance (there are some threads on here that will go into detail about coverage and cost).
Basically while towing your vehicle policy is extended to the trailer, while parked though it is not, this is why people get insurance (comp, incident and contents).
2015 Forest River EVO 2850
2012 Dodge Ram 2500 6.7 Cummins
Yamaha 2k x 2 with parallel cable
EMS 30 PI portable w/ Edison plug
Nights Camped (2016-13) (2015-13)