Gator Egg--Well I'm stumped. I have my TAB 400 insured through USAA. When it is parked in the driveway it is covered under my homeowners insurance. When hooked to my truck it is covered under my vehicle insurance. All I can say is that there is a distinction between RV insurance and travel trailer insurance. USAA doesnt do RV insurance but they do insure travel trailers. Did you make sure they understand that you are asking about travel trailers?