insurance

    I agree for the past 7 years I have left it alone, I have gone without it.  

That is up to your bank, if you financed it.  If you didn't, you have a minimum level of coverage via your auto policy as long as it is hitched up.  I fully insured mine as an additional vehicle on our auto policy, and our current camper came with 1 1/2 years of a 7 year comprehensive policy.

Thanks for the replies.
When I bought my trailer, I purchased a Progressive policy (since USAA does not offer RV insurance and progressive is a third party).
I had not realized they had sold me the wrong policy that was costing $290 a yr. (I had no idea there was a difference in RV and trailer coverage).
Due to another post earlier on this forum regarding AAA, I called and inquired about their coverage.
They were very helpful and explained I needed to call my insurer and ask for comprehensive and collision; liability is already covered by my auto policy.
Although USAA is not inexpensive, I was able to save almost $100 a year over what I was paying Progressive.

I purchased my r-pod with no financing.  I have a policy with State Farm that runs $23.00 a month.  It's worth it to me for peace of mind.

I pay 74.00/year.  This is with collision (1000 deductible), comp.  and full replacement value.  Pioneer State Insurance, Lansing, MI.