TC insurance and auto policies...

NY doesn't consider TCs as vehicles or RVs so you can't insure them separately.

When it's on the truck it is cargo and covered by my truck's insurance.

When it's off the truck it's on my property and covered by my homeowner's insurance.

Of course I didn't pay much for it, it's not worth much now, and I've got my money's worth out of it anyway so even if it was a total loss I would not be out much.

Little update.. Insured the TC with Nationwide (I have all my motorcycles with them). 250 dollar deductible all perils, road side assistance Broad form collision and 2000 dollar accessory rider (for my PSW inverter and on board CPAP equipmet), 151 bucks a year all year including insurance in storage. fire,theft and malicious destruction plus what they call vacation reimbursement if something happens on a trip.

I found that to be quite reasonable. Paid up for a year.

Didn't know it but if you travel through Canada you have to have a special rider. May do that next year.

I have my Lance covered by Geico. $110 a year.

Covers replacement based on comp's for theft, and total loss damage.

Comprehensive and Collision have a $500 deductible. Includes damage from storage or load/unloading.

Covers $1000 in medical/personal injury to any camping guests in or on my camper.

Covers $1000 reimbursement for towing or temporary living expenses if its damaged while in use.

Covers $5000 in Personal Effects Replacements if totalled.

Covers $10000 in Vacation Liability, obs covering my liability for any damage caused by the camper while in use.

https://www.geico.com/information/aboutinsurance/rv/


I was very surprised when adding it to my policy. I told Geico I wanted to add an 04 lance 915. They transferred me to a specialist, who was familiar with the model, asked several questions about features and packages installed, what kind of jacks it had, what siding material it was equipped with, etc.

I was surprised how fast and easy it was to get the policy, considering CA does not offer title or registration for campers and there is no paperwork proving it exists, beyond a couple of pictures I provided.

Progressive insured my TC by itself for very little money.

Covered on and off the truck.

I have separate policies for my RV and camper...both were National Interstate, now State Farm. In addition the policies are likely to provide limited coverage. You might need a homeowners policy to enhance your coverage of personal property while traveling. You may also want to look at "umbrella" coverage for liability.

Yes, living in Michigan means you are insurance poor. People living around metro Detroit cannot afford insurance, hence no annual registration for plate stickers hence, the big thing there is stealing stickers or plates from cars.

That and stealing catalytic converters and gasoline. They can afford a battery powered reciprocating saw (to cut off the converter) and a drill to drill the gas tank and drain the fuel out.

When Amy and I visit Detroit or a surrounding suburb, we always park in a parking lot, never on the street and of course I'm always carrying concealed as well.

While not directly related to insurance, the people of Detroit are their own worst enemy that we all (every Michigander) gets to pay for.

Metro Detroit is the main reason (besides the MCCA addendum) why insurance rates here are what they are here...

Like casions, insurance companies are in business to make money, not loose it. That applies across the board in any state.

Not sure about your state's insurance laws but, here in Michigan, an insurance carrier can cancel you if you have more than 3 claims in 3 years or for any reason they choose for that matter. I found that out when we first moved here and got cancelled and had to get even more expensive 'high risk' insurance.

The exception to that is if you have a farm policy which we do now). Under the Michigan Right to Farm law, an insurance carrier cannot cancel you, no matter how many claims you have.

I'm a slow learner but I learned that and so we have a farm policy.

I talked to Nationwide (I have my motorcycles with them and I'm adding the TC on that RV policy). 250 dollar deductible, all perils with damage from any natural event covered off the truck or if the unit is in storage. $110.00 per year.

Nationwide is also an 'approved' Michigan carrier and I may switch everything, farm, farm equipment, my truck my car, my wife's car and the Farmstead over to them.

SidecarFlip wrote:
I'm going to do some shopping. My issue is (and it has to do with Michigan and not any insurance carrier) is, only a certain number of insurance companies will insure in Michigan because of out 'no fault' insurance and the insane MCCA (Michigan Catastropic Coverage Addendum) which adds 160 bucks to each and every registered vehicle.

Insurance here is extremely expensive, actually, I think we have the highest rates in the entire country right now.

When we bought the farm, we moved here from Ohio and when I got a cancellation notice from my Ohio carrier I found out the hard way that no matter what the reason for cancelation is, you have to go high risk, higher buck, no choice for 3 years. Almost bankrupted us. Now, I'm real careful about even 'rocking the boat'. Don't want to go through that again, I cannot afford it.

Dude! I haven't gotten the insurance butt rqpe in a long time, but I understand it fully and ins companies are some ruthless slimy sob's. That's too bad to hear.

To the original question, our camper is insured separately from the vehicles. Used Progressive, Same as other vehicles. It covers on and off the truck.

You really have to ask is water damage covered? I swear by this...if you have any kind of leak...whether internal or external...you might not be covered. Don't get caught with your pants down...ask your agent immediately!!!!

I have 3 vehicles on my auto policy, one of the "vehicles" is my camper. It's insured separately from the truck. The cost of having the camper insurance is $117 per year. This includes a $100 deductible on "other than collision physical damage" and a $500 deductible on "Collision".
I have Erie insurance.

I'm going to do some shopping. My issue is (and it has to do with Michigan and not any insurance carrier) is, only a certain number of insurance companies will insure in Michigan because of out 'no fault' insurance and the insane MCCA (Michigan Catastropic Coverage Addendum) which adds 160 bucks to each and every registered vehicle.

Insurance here is extremely expensive, actually, I think we have the highest rates in the entire country right now.

When we bought the farm, we moved here from Ohio and when I got a cancellation notice from my Ohio carrier I found out the hard way that no matter what the reason for cancelation is, you have to go high risk, higher buck, no choice for 3 years. Almost bankrupted us. Now, I'm real careful about even 'rocking the boat'. Don't want to go through that again, I cannot afford it.