insurance questions
1. Once I put the camper on the truck and head out on the road, do I need to inform my auto insurance company, i.e. does that change anything for liability/insurance purposes, i.e. would it cause iss...
Forum Discussion
My Lance 1121 that we owned for 12 years was totaled by Hurricane Michael. It was insured with a separate policy through Progressive. Turned out it was an agreed upon payout policy and I received the amount that I had paid for the camper NEW in 2006. I was very pleased. The premiums were reasonable.
We now have an "new" camper, a 2010 Lance 1181 and it is also insured with the same type policy.
One issue I discovered with getting insurance on the 1181, liability insurance on the camper. While it is on the truck, the truck insurance may cover. If at home, my homeowner's policy may cover. But what about if it is off the camper away from home? What if someone falls getting in or out? Or some kid is running through the area and splits his head on the slide out?
Many companies will not provide liability coverage on campers (other than motorhomes). Progressive has Vacation Liability coverage. We have this. Hope we never use it.
Dale
We now have an "new" camper, a 2010 Lance 1181 and it is also insured with the same type policy.
One issue I discovered with getting insurance on the 1181, liability insurance on the camper. While it is on the truck, the truck insurance may cover. If at home, my homeowner's policy may cover. But what about if it is off the camper away from home? What if someone falls getting in or out? Or some kid is running through the area and splits his head on the slide out?
Many companies will not provide liability coverage on campers (other than motorhomes). Progressive has Vacation Liability coverage. We have this. Hope we never use it.
Dale
