Forum Discussion

mnih's avatar
mnih
Explorer
Dec 27, 2018

Can’t insure full-time camper and truck

Hello everyone - just ran into an unexpected problem. I retired in June, been traveling the world since, and returned to the USA to try full-timing in a truck camper. Got a new F-350 and Bigfoot 10.4 all picked out and ready to go. Last thing was insurance, which I thought would be a snap (retired, no accidents or tickets ever, respectable income, perfect credit). So I connected with an agency often recommended to full-timers, Miller, got great service from them but also some very bad news: all of the insurers they contacted including Progressive turned it down. The agent said they won’t do full-timing truck campers who have no other vehicle, as they’re worried about the thing being driving around like a regular vehicle. Any advice or am I going to be stuck buying a van?
Truck Campers
  • 3_tons's avatar
    3_tons
    Explorer III
    Dec 27, 2018
    The answer is obvious:
    Improvise, Adapt and Overcome...

    3 tons
  • Photomike's avatar
    Photomike
    Explorer III
    Dec 27, 2018
    Insure the truck as a vehicle, then insure the camper as a camper. They do not need to know it is your residence. I did not see anything in the clause of my old truck campers policy that said I could not stay in it for extended periods of time.
  • burningman's avatar
    burningman
    Explorer II
    Dec 27, 2018
    Side note, I had my eye on the Bigfoot 10.4 too... but then I checked out the Northern Lite 10.2 EX CD SE. Its a LOT nicer, in a whole lot of ways. I think you’ll be making a mistake if you don’t investigate the NL. The cabinetry is much nicer, there’s more headroom, it’s got a generator compartment designed to hold Honda EU2000s, etc.

    About the insurance, can’t you just get regular normal insurance on the truck, and a separate policy on the camper? That’s what I do. I don’t full-time in it, but no one has asked either.
  • Captain_Happy's avatar
    Captain_Happy
    Explorer
    Dec 28, 2018
    I'd go with Progressive on the truck, and then a separate policy on the truck camper. They don't need to know your full-timing in it. Or any insurance company you choose.
  • GeoBoy's avatar
    GeoBoy
    Explorer
    Dec 28, 2018
    Remember if you lie/misrepresent to the insurance company you won’t be covered. Try Foremost insurance.
  • HadEnough's avatar
    HadEnough
    Explorer
    Dec 28, 2018
    Nobody needs to know how often you use your truck camper. Could be one weekend a year, could be 365 days a year.

    One policy for the truck/liability, etc. A different policy to cover the TC in case of damage.

    Never lay all your cards on the table in these situations.

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