Ok, I've got some info for anyone who may be interested.

Our tow rig is covered by State Farm. I called and asked about their roadside assistance plan which is an extra charge of $5 a month. The assistance plan on the Dodge will pay for the towing of the Dodge and attached trailer, or for the towing of the Dodge alone. It will not cover towing the trailer by itself.

By adding collision and comp to the trailer for $6 every six months the trailer then has it's own roadside plan and they will tow it separately.

That's the route I took. Very reasonable rates at least for us here in AZ. Insurance is different in every state.