If the trailer was in Mom's name and she didn't sign title over to your sister...then that trailer becomes part of an estate and has to go to probate court to be settled...If it was in both their names then 1/2 the trailer goes into Probate ...Probate ct will set a price for the trailer if fully owned by your mother or 1/2 of it if owned with another person then mother's share is considered part of an estate that the Ct establishes and must be used to pay outstanding bills. If your mother signed over title before she died then no problem, no estate...
Ins...as long in your name or a siblings name that is not part of probate...and can be cashed in by submitting the death cert to the Ins co by the person who was left the ins policy...