Trailers of all kinds – boat trailers, utility trailers, camper trailers, etc. - can be insured on a Personal or Commercial Automobile Policy. The Liability Coverage is provided by the policy covering the vehicle that is towing your trailer at the time of an accident. Physical damage coverage – Collision or Comprehensive (fire, theft, vandalism, etc.) can be purchased if desired. Trailers that have a Gross Vehicle Weight of less than 3,000 lbs. do not require a Title in the state of Massachusetts.