Dang, truck campers are goofy! Long and short of it is, talk to your insurance agent. Ask them all the scenarios:
- On the truck, on the road.
- Off the truck, on my property.
- Off the truck, at a camp ground.
- Liability (it falls over on someone), vs. comprehensive (it is stolen).
Then make sure to review the coverage every time you renew. Some situations would be under your home owner's policy, and some would be under your vehicle policy. Either way, build the rapport with your insurance agent so they are on-board with the coverage you require. Some agents don't understand it is cargo carried in the bed of the truck, and keep referring to it as a 'trailer' - educate them.
-Eric
