Forum Discussion
franco_ontarien
Mar 17, 2014Explorer
I've recently had a discussion with my insurance agent in regards to my camper and truck. Here is how it was explained:
When camper is on the truck and truck is moving, truck's policy covers the camper.
When truck is parked in driveway or in campground, home insurance or separate insurance covers camper. (Even if camper is sitting on the truck)
In my case, I don't have home insurance so I had to get separate insurance. With an additional fee for liability insurance.
Turns out that for a few years, even though my camper was separately insured, I wasn't covered for liability because I didn't have home insurance.
Just make sure that liability coverage is always there.
Obviously this changes between states and provinces...
When camper is on the truck and truck is moving, truck's policy covers the camper.
When truck is parked in driveway or in campground, home insurance or separate insurance covers camper. (Even if camper is sitting on the truck)
In my case, I don't have home insurance so I had to get separate insurance. With an additional fee for liability insurance.
Turns out that for a few years, even though my camper was separately insured, I wasn't covered for liability because I didn't have home insurance.
Just make sure that liability coverage is always there.
Obviously this changes between states and provinces...
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