This is a clamp on DC/AC amp meter that allows you to measure DC current without breaking the circuit.
http://www.sears.com/shc/s/p_10153_12605_03482369000P?mv=rr&i_cntr=1304190491624 If you do not have one but have a DC amp meter that is capable of measuring 20 amps then you will need to create a fused test jig using one of these fuse holders http://www.radioshack.com/product/index.jsp?productId=2103778 or if you can wire the meter in series with your current motorhome fuse holder, whichever is more convenient. You may be able to get some idea of the DC load using the coach monitor system but it may not be very accurate or it may only measure the house battery system.
You then need to measure the current that the coach normally draws for the circuit that blows the fuse. Then add the toad or tow dolly lighting and see what it draws. If it approaches the fuse value then your circuit just is not robust enough to handle the current load. You would want the voltage on the chassis batteries to be near 14V while you do the measurements if possible.
Poor connections at a socket or plug may exacerbate the problem. If the current is 12 amps or less total with the toad connected then try wiggling the plugs and bulbs one at a time, seeing if you can make the fuse blow. If so correct the cause.
Because multiple owners have the problem I'll assume that you need more current capability. What you would then need to do is wire in a new relay circuit. The relay trigger would be fed by the current brake light circuit. The 12V feed could be picked up from the battery bay with the appropriate fuse placed in series with the 12V line. Use a fuse and wire size that accommodates twice the current load that is drawn by the circuit that you are adding. Wire size should be at least the size used for the motorhome brake light circuits. Relays and sockets are available at automotive stores. This is an example.
http://www.amazon.com/RELAY-BOSCH-30AMP-SPDT-12V/dp/B001JT016Y. This relay would be what feeds the toad or dolly brake lights and would be wired into the coaches tow socket brake light plug pin. The existing motorhome brake light wire to the toad or dolly plug would be disconnected.
One other alternative. If the total current being drawn (toad and coach) was somewhere near 15amps, or up to about 18 amps, you could ask Monaco if the wire size and harness is sufficient to replace the existing 15amp fuse with a 20amp fuse and see if they will approve that change.
This added relay method can be applied to tail light circuits as well as the brake light circuits as needed. Hope this helps.
later Ed