Kayteg1 wrote:
Do they consider it "additional structure"?
No, it's personal property. additional structure was my barn and shed. If it's owned by me and not registered with the DMV, it's covered under personal property. If it is registered with DMV, it requires it's own policy.
If the camper was on the truck and off my property, on the road say, then my auto policy would cover it.
I have full replacement value. Since my old camper isn't made any more, they found the closest new, with my help, and cut me a check for a new Lance 855. I upgraded and added some of my money to make it a 855S (slider version) I had a camper probably worth on the street maybe $5,000. I'm sure glad my insurance broker sold me the plan I have!