Does your car insurance cover a small utility trailer towed behind the car in New Hampshire or do you need special insurance?

Check your homeowners policy and your vehicle policy, it varies from state to state, and circumstance to circumstance. ie; trailer is parked in your yard and a tree falls on it, or you are a contractor and it is broken into on a job site, or, God forbid, it comes loose from your tow vehicle, and wipes out a farmers prized flock of pygmy goats. Not here to advertise but Nationwide is awesome with trailers.