My camper is insured on my auto policy but lately, I've been wondering about one, limits and two, is it insured off the truck (as in storage) so I called my agent and found out the deductibles are the same on the camper as my truck ($1000.00 ded) and it's not insured in storage.Consequently, I was curious as to what insurance (company) would be better to insure the unit both on truck and off truck. Did a site search and came up with nothing.I'd like to get separate coverage in addition to my normal policy to cover things like storm damage and camper damage with a smaller deductible.I carry Nationwide Insurance on my 4 motorcycles as an entirely separate policy (my auto-farm insurer don't insure motorcycles). Is Nationwide a viable carrier for the TC?Any suggestions?

I have Nationwide on both truck and truck camper. They are separate policies. I carry a $250 deductible on each. I have yet to find a more reasonable rate and believe me I've compared. I also have Nationwide's Roadside Assistance which has proven to be better than my former Good Sam and Coachnet for less than one third the price. Unfortunately, I needed to submit a claim on my former truck camper when it almost burnt to the ground due to Host's shoddy workmanship. Nationwide stepped up to the plate and handled everything without any problems. I have been very happy with their service and prices.

When I had insurance on an RV, it was Explorer RV. They covered when ever it was covered by the truck's insurance. I did file a claim with them for damage from a blow out and had great service with quick settlement. This was back in 2008 so things may have changed, but they would be my first stop if I was shopping again.When you talk to the insurance company, you also need to be specific about the type of insurance coverage. If you just ask, is this covered by the truck, their answer will be "yes". However, if you ask, is this covered by the truck's comprehensive policy, the answer may be "no, only liability". And as you have found out, it isn't covered when off the truck in either campgrounds or storage.

I have a complete and separate TC policy to cover anything and everything/ on or off truck/ at home or in the field. $17,000 total loss coverage for $250 per year.RV America Insurance p. 800.400.0186 ext. 1212 f. 888.296.7123685 Cochran St. Ste 150-A Simi Valley, CA 93065RV- Home - Auto - Marine PWC - MotorcycleCollector Car - Mobile Home - Commercialrvainsurance.com

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.

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.

TC insurance and auto policies... | Good Sam Community

13 Replies

d3500ram
Explorer III
Jun 21, 2017
I have a complete and separate TC policy to cover anything and everything/ on or off truck/ at home or in the field. $17,000 total loss coverage for $250 per year.

RV America Insurance
p. 800.400.0186 ext. 1212 f. 888.296.7123
685 Cochran St. Ste 150-A Simi Valley, CA 93065

RV- Home - Auto - Marine PWC - Motorcycle
Collector Car - Mobile Home - Commercial

rvainsurance.com
kohldad
Explorer III
Jun 21, 2017
When I had insurance on an RV, it was Explorer RV. They covered when ever it was covered by the truck's insurance. I did file a claim with them for damage from a blow out and had great service with quick settlement. This was back in 2008 so things may have changed, but they would be my first stop if I was shopping again.

When you talk to the insurance company, you also need to be specific about the type of insurance coverage. If you just ask, is this covered by the truck, their answer will be "yes". However, if you ask, is this covered by the truck's comprehensive policy, the answer may be "no, only liability". And as you have found out, it isn't covered when off the truck in either campgrounds or storage.
cruiseruser
Explorer
Jun 21, 2017
I have Nationwide on both truck and truck camper. They are separate policies. I carry a $250 deductible on each. I have yet to find a more reasonable rate and believe me I've compared. I also have Nationwide's Roadside Assistance which has proven to be better than my former Good Sam and Coachnet for less than one third the price.
Unfortunately, I needed to submit a claim on my former truck camper when it almost burnt to the ground due to Host's shoddy workmanship. Nationwide stepped up to the plate and handled everything without any problems.
I have been very happy with their service and prices.

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TC insurance and auto policies...

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