Yes.
It is fully covered by a separate policy.
As Doug stated, your car insurance ONLY covers the damage your trailer might do to
someone elses property when connected to your car...
I've never had to file a claim, so I can't say how good it is, but I have an agreed value policy backed by a professional appraisal, with photos.
Didn't make sense to tell them I wanted insurance, and then let the insurance company decide how much it is worth AFTER it was destroyed...
Rob
Waiting for "someday" will leave you on your deathbed wondering why you didn't just rearrange your priorities and enjoy the time you had, instead of waiting for a "better" time to come along...