Insurance and RAM 5500

Try Progressive, but brace yourself. They won't have the rates nor the exemplary service you've enjoyed with USAA.

Have you asked your local independent insurance agent? His/her commission comes from the insurance company.

Try a company named Wawanesa. They are a Canadian company but also service WA, OR and CA. I have been with them for almost 50 years and no one has beat their rates yet. JD powers rates them #1 in customer satisfaction.

I’ve had 2 claims in that time. One was my wife’s fault and the other was the deer’s fault (both totals). In both cases they settled very quickly for more than I thought the vehicles were worth. The truck hit a deer while camping in Utah. Using bailing wire and duct tape I made it back home to CA. It was an older truck and the damage mounted up quickly.

When they gave me the payout amount, I said, “Man I just put 4 new tires on it”. The adjuster asked me how much they cost and added that amount to the claim. I’ve never seen that happen before.

USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.

FWIW, the best info I've ever seen on understanding the various RV insurance options is here: https://www.rv-dreams.com/rv-insurance-coverages.html

For the camper get it it's own separate rider policy, covers it on or off the truck.

Had a separate policy for just the camper when it's not mounted on the truck. A little under 3 bills for 35k coverage if I remember correct and it was through Progressive. Use to store the camper at a separate area from my home. Sold my boat so camper sits where that used to be, set back from the street alongside our long driveway.
Camper is covered 100% when it's on my F350 so Im covered there as well.

Bedlam wrote:
USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.

Do you have an agent that you work with?
(I'm wondering how to get with an agent that I can communicate with and who understands what I'm asking.)

greenno wrote:
Had a separate policy for just the camper when it's not mounted on the truck. A little under 3 bills for 35k coverage if I remember correct and it was through Progressive. Use to store the camper at a separate area from my home. Sold my boat so camper sits where that used to be, set back from the street alongside our long driveway.
Camper is covered 100% when it's on my F350 so I'm covered there as well.

My understanding is that a truck camper is covered by your homeowner's policy when it is off the truck and sitting at your house, and covered by your vehicle's policy when it is on the truck. But if you take it off the truck anywhere else like a campground (if, for instance, you need to get some work done on your truck and they need to keep it overnight.) it's not covered by either policy.

bighatnohorse wrote:

Bedlam wrote:
USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.

Do you have an agent that you work with?
(I'm wondering how to get with an agent that I can communicate with and who understands what I'm asking.)

After talking to about five people from both Progressive and USAA I was finally connected to someone who REALLY knew her stuff. I think I was dealing with new hires who were not spun up on their jobs. I had to explain to one "agent" the difference between truck weight and GVWR. No clue. I am putting the camper on a flatbed. Another could not get through his head that the flatbed was not a towed trailer but mounted on the truck. Sarah Warner at USAA Commercial really knew her stuff. Wish I had her direct number, I would give it out.

So I got my insurance. Since the value of the truck and all its permanently mounted gear will be $125K and I set high liability limits, the cost is $3600 per year paid annually. Not a bargain but good, solid coverage. Going to look for camper insurance more now. I had to explain to someone that a truck camper is removable. I really think it is just people not well trained thrust out into the call center but I should not have to train them.