Reading this thread caused me to pick up the phone and call my agent. Here's what I learned. Travel Trailer liability coverage is governed by state law as it pertains to your auto policy as long as it's not being used for commercial use. (Most of us also buy additional trailer collision and comp coverage for a separate line charge.) It's also governed by common sense, since laws vary from state to state. RE: my state, he indicated that the only weight that can be verified is that of the empty weight on the trailer sticker.....unless someone tries to take the trailer from an accident site, with your permission, and have it weighed, or if involved in an accident, the patrol could impound to have it weighed. He said that in 40 years he's never heard of it happening since the legal liability is usually based on reports of driving such as speed, assured clear distance, signalling lane change, etc. Proving liability due to contents and weight is just too high a hill to climb. Similarly, if you had a blow out due to poor tire pressure maintenance, that would not be noted on an accident report, although it's clearly a negligence. Now that said, call your insurer and get an answer, in writing from them, or have them point out in your policy what the limitations and clarifiers are for your residence state, since that takes precedence over another state's laws if you travel out of state.