Answer:
As insurance laws vary from state to state I recommend you check your state law to make sure the information given here applies to your state. I am assuming that when you say camper you mean a camper that is pulled by another vehicle and not a motor home. If the camper is not self-propelled you would have no need for liability insurance as this coverage would extend from vehicle towing it. As it costs a great deal to develop any type of policy, insurance companies are not going to go through the expense for a policy that is not needed. If the camper happens to be a motor home there are policies that you can purchase for a motor home and you can select the type of coverage you want just as with an automobile. Remember that any item that is financed, whether it is a camper, vehicle, home, etc. most likely includes a requirement to carry physical damage coverage in the contract you signed with the bank or finance company. Violation of this contract will result in them repossessing the item financed. For full disclosure, I own and operate a small Independent Insurance Agency in Georgia and have for the past 22 years. I also worked for a direct writer for the 3 years before that.