Sorry about your camper. I am by no means an expert on insurance in Minnesota but particularly for property coverages such as Homeowner, the forms are generally quite similar in most states.
If you bought the camper recently check with your auto policy carrier to see if you have any automatic coverage for newly acquired vehicle. There are time limits so if you did purchase recently check on that NOW.
If not, your homeowner policy would be the only thing that would provide coverage. I believe you will find it has a rather low limit but something is better than nothing. Doesn’t hurt to ask. Worst case the answer is no, which is where you’re at if you don’t ask your homeowner insurer.
For example, if you were in North Carolina and had a Homeowner policy with a $1000 deductible, camper worth $3000, and it’s totaled. $3000 - $1000 = $2000. $1500 limit on trailers is less than $2000 so $1500 payment on the trailer. Salvage value could play into it if there’s any salvage value as the settlement would be reduced by the salvage value if you keep it. There’s also additional coverage for debris removal at 5% of the limit on the property that could add a whopping $75.
Anyway, that’s a NC policy which is on the standard ISO Homeowner policy. What you have in Minnesota may vary a bit and of course if your Homeowner policy is actually a Dwelling policy or Mobile Homeowner Policy or Commercial Fire policy, etc. that changes things quite a lot.
The real point is your Homeowner policy is the place to look for coverage unless you purchased the camper recently and have automatic coverage on your auto policy. Proper application of coverages can get a little complicated depending on the specifics of the policy but not so complicated it isn’t worth pursuing.
From the standpoint of any liability coverages you may have, if you were driving the tractor and you own the trailer, liability coverage would be inapplicable because you can’t be legally liable to yourself. That’s not jurisdiction specific, that’s just how it is. If you don’t believe that, run down to the courthouse and tell the Clerk you need the forms to file a lawsuit against yourself and see what reaction you get.
